Borrowing and lending institutions will need to change, so that they better cushion people against the risk of personal bankruptcy. Financial markets will have to be broadened, so that people and businesses can better hedge their risks.
借贷款机构也需要进行改革，从而使它们能够更好地为人们缓冲破产的风险。金融市场将不得不进行扩容，从而使个人和公司都能更好的规避风险。