这些负债多用来购买那些消费者实际无力负担的房产。在监督不透明和顾头不顾脚的金融体系里，去年，美国住房抵押市场终于爆发危机。

The debt was used to buy houses that consumers could not afford, within a reckless and poorly supervised financial system, leading to the crisis in the American mortgage market that broke last year.

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在她以前住过的学生公寓里，大家都自己顾自己。

In previous student flats she'd Shared, it was every man for himself.

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