In creating new financial regulations, we need to take the medical analogy one step further – by creating the equivalent of the prescription. Instead of banning or freely allowing all dangerous products, we need to identify products that are valuable to some customers but not all – call them “prescription financial products” – and create a body of registered finance professionals (RFPs) who are empowered to certify the purchase of these products by individuals.
但有一个方法可以解决这个难题，在制定新的金融监管措施之时，我们必须首先像对待药品那样实施进一步动作——通过创设对应的“处方”。我们不应当禁止或者放任所有危险的金融产品，相反，我们应当定义这些产品适用于某些客户但不是全部——把它们定名为“处方金融产品”——并建立一个注册金融专业人士的实体，授权他们来决定这些产品应该销售给谁。