The debtors’ prisons of the nineteenth century were a failure – inhumane and not exactly helping to ensure repayment. What did help was to provide better incentives for good lending, by making creditors more responsible for the consequences of their decisions.
所有（发达）国家都认识到，让资本主义正常运转需要能够让个人重新开始。十九世纪的债务人监狱是一场失败&mdash;&mdash;既不人道，也没有帮助确保偿还。确实有帮助的是通过让债权人为它们的决定的后果承担更大责任来提供优质贷款的激励。