In both cases – financial stability and cyber security – the risk of contagion creates a situation in which a wedge can form between private incentives and social risks. Admittedly, progress in the technology sector overall often produces huge social-welfare gains, which arguably outstrip those produced by all other sectors in recent decades.
在金融稳定和网络安全两大课题下，蔓延的危险造成了私人激励和社会风险机制的分离。诚然，技术领域的总体进展往往能产生巨大的社会福利效益，这种效益甚至可能超过近几十年来所有其他行业的总和。但正如核电厂一样，缺乏良好的监管可能导致在进展的过程中出现差错。