For example, the US Federal Reserve has essentially guaranteed the financial sector that if it gets into trouble, ultra-low interest rates will be maintained (at the expense of savers) until the sector recovers. In the early to mid-1990’s, rates were kept low because of banks’ real-estate problems.
比如说，美国联邦储备委员会（简称美联储）就向金融部门保证，一旦后者陷入麻烦就将维持极低利率直到该部门复苏为止。在1990年代中早期为了解决银行的地产问题而一直压低利率。随后2001年互联网泡沫爆破，于是利率又再次下滑并维持在极低水平。如今的低利率已经从2008年维持至今。美联储高级政策制定者否认自身利率政策对冒险行为负有任何责任，但许多证据却告诉了我们一个相反的事实。