We should not come away from these episodes thinking that expanding access to finance is bad. In general, expanding access is beneficial (just not before a crisis!), but finance is a powerful tool that has to be used sensibly.
我们不能因为这些就认定扩大融资的可获得性是件坏事。总的来说，更易获得融资是件好事（只要不是发生在危机之前！），但融资这个工具威力太大，必须小心使用，所谓过犹不及是也。