The first option is the American way, which also demands that the buyers bear the risks inherent in public or private securities. The taxpayer is not called upon, even in extreme cases, and states can go bankrupt.
前一种选择是美国式的，它同时要求买房承担公共和私人证券所固有的风险。该选择不会动用纳税人的钱，即使在极端情况下也不行，而且州可以破产。