We should, however, avoid the medical convention whereby each product is either over-the-counter or prescription, regardless of who is buying the product. In order to keep the system lean, there should be a provision for exempting some individuals and firms – those sophisticated enough to handle their own affairs, or well off enough to deal with financial failure – from the requirement of an RFP’s approval before buying a prescription financial product.
然而我们也应当避免将金融产品像药品那样简单分为“非处方”或者“处方”的做法，不管购买者是谁。但为了维持系统的效率，也可以在请求专业人士批准之前对某些个人或者企业——只要他们有足够的应对能力来处理自身事务，有足够的财力来承担金融风险——予以豁免