二是设立消费者金融保护署，旨在避免消费者举债无度，贷款购买他们实际上无力购买、有隐藏成本的产品。

Second, it would set up a consumer-protection agency that would try to protect consumers from taking out loans they cannot afford or buying products with hidden costs.

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然后，美国可能只有通过继续运营巨额预算赤字和再次容忍通过举债满足的消费者需求，来维持本国的复苏。

The US could then maintain its recovery only by continuing to run large budget deficits and again tolerating debt-financed consumer demand.

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如果消费者开始削减他们依靠举债支撑的消费开支的话，局面有可能更趋严峻。

If consumers begin to cut back on their debt-fueled spending things could get worse.

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