He believes that if the consumer has the ability and the desire to engage in "planned consumption," then the many types of loans and credit cards are merely "tools" provided by the banks, giving the consumer more choices.
他認為，如果消費者既有能力、也有慾望從事「計畫性消費」，那麼各種貸款、信用卡等，都只是銀行提供的工具，讓他們多一些選擇。