BERKELEY – No one questions the usefulness of “low” finance: the ability to use checks, banknotes, and credit cards rather than having to cart around chests of silver, scales, and reagents to assay purity, and needing armed guards to protect the silver – and more guards to watch the first set of guards – has obvious efficiencies. So does the ability of households to borrow and lend in order not to be forced to match income and expenditure every day, week, month, or year.
伯克利——没有人会质疑使用“低级”金融产品的好处：例如使用支票，现钞和信用卡，比起使用一箱子银子来说，要方便的多。如果你用银子的话，首先要天枰或试剂来检验它的纯度，然后需要保镖来押运银子，甚至需要更多的保镖来看住原先的保镖等。对每个家庭日常开销来说，不需要每天，每周，每月或是每年来平衡收入和支出 。这样也就方便很多，