Overall, however, it remains disturbing that we do not see the obvious large benefits, at either the micro or macro level, in the US economy’s efficiency that would justify spending an extra 5.6% of GDP every year on finance and insurance. Lahart cites the conclusion of New York University’s Thomas Philippon that today’s US financial sector is outsized by two percentage points of GDP.
不过，总的来说，不管是在围观还是宏观层面，我们并没有看见显而易见的大好处，这一点始终令人不安。美国经济的效率并没有提高到能证明将这笔相当于GDP的5.6%的额外资金花在金融和保险上物有所值的程度。莱哈特引用了纽约大学的托马斯·菲力彭（Thomas Philippon）的结论：今日美国的金融部门显得太大了，占GDP的比重至少比合理水平高2个百分点。而且菲力彭对美国金融部门规模的估计很有可能是低估的。