No one talks of the bank manager, under pressure to sell “financial products” and eager to sign up customers, even if the products were not in a customer’s best interest. The banker did not question a bonus system that favors one year of super profits, followed by bankruptcy, over two years of moderate, but stable, results.
现在，我们听到次级抵押贷款持有人只能责怪自己的说法。没人提到在压力下出售“金融产品”——即使这些产品并不符合贷款人的最佳利益——并急于和贷款人签约的银行经理。银行家没有质疑一个比起在两年里有适度但是稳定的结果，更支持银行头一年获得巨额利润但是接下来就会破产的奖金体系。