Banks that grant risky loans on too little equity illustrate the analytical value of homo economicus particularly clearly. Their profits are privatized, but any losses exceeding their equity are dumped on their creditors, or, even better for them, on the taxpayers.
发放高风险贷款而股本不足的银行相当清楚地说明了“经济人”的分析价值。它们的利润被私人化，而任何超出它们的股本的损失被推给了债权人或者——更妙的是——推给了纳税人。