In the end, though, the misguided attempt to push home ownership through credit has left the US with houses that no one can afford and households drowning in debt. Ironically, since 2004, the homeownership rate has been in decline.
但最终，试图通过房贷让民众拥有住房的政策导致美国出现了大量无人买得起的空房，而且许多还贷家庭饱受债务困扰。具有讽刺意味的是，自2004年以来，美国的居民住宅拥有率一直处于下降态势。