Concurrent with diminishing labor income, government-imposed ceilings on bank deposits – the primary savings vehicle for most households – have held down household capital income. This fall in income has been magnified by rising household savings rates, driven by insufficient insurance for health care and old age, the high cost of education, growing income inequality, and demographic trends.
在劳动收入下降的同时，政府对存款利率设置了上限，而是银行存款是大部分家庭的主要储蓄方式，导致家庭的资本收入偏低。由于医疗和养老保障不充分，教育成本高企，收入不平等加剧以及人口趋势等因素，家庭储蓄率一直在上升，这进一步加剧了收入的下降。