Even mortgage-backed securities, which were at the center of the financial crisis that erupted in 2008, have important uses in spreading home and auto ownership. The problem was not with the innovation, but with how it was used – that is, with financiers’ incentives.
即使被指为2008年爆发的金融危机的罪魁祸首的按揭抵押证券在普及住房和汽车拥有率方面也起到了重大作用。问题不在于创新，而在于如何使用创新——也就是说，在于金融家的激励。