Bankers may be the villains of the credit crisis, but what about the borrowers? The credit bubble was the latter day means of financing the switch from thrift to leverage by US individuals. US citizens abandoned the idea of building the American dream on hard work and savings and instead used the cement of debt.
銀行家也許是信貸危機的罪人，可是借債人呢？信貸泡沫是爲美國個人從節儉到舉債的轉變提供融資的現代手段。美國人捨棄了通過辛勤勞動和節儉來構築美國夢的理念，而是把債務當作構築美國夢的磚瓦。
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