Economies have weaknesses, and personal income will not necessarily be eternally stable. Now the US, Europe, and Japan have all set up institutions to educate the public about appropriate concepts of consumption and borrowing.
景氣有榮枯，個人的收入也不見得恆久穩定，目前歐美及日本都已成立教育大眾正確消費及借貸觀念的機構，媒體上的銀行廣告也都必須加註警告消費者不要借貸過度的警語。