In the jargon of economics, this is “moral hazard.” But no special training is needed to know that it is unwise and dangerous when bank executives get the upside (huge bonuses) when things go well and everyone else bears the downside risks (bailouts and recession).
如果复杂的大型金融机构继续拥有隐性政府担保，许多人——不管是左派还是右派——都会同意这对私人部门的其他部分很不公平，也在刺激大银行再一次从事过度冒险。用经济学术语讲，这是“道德风险”。但不需要任何特别训练就能看出，银行高管在一切顺利时收获好处（巨额奖金）而 下行风险（援助和衰退）由所有人一起承担，这绝对是不明智的，也是危险的。