Most U.S. families had both financial assets and real estate assets. At that time, almost all household assets of the low-income families were real estates, while the majority assets of the top 20% high-income families were financial assets. As a result, poorer people in the United States have higher debt ratio.
但是，当时美国的现状是美国家庭资产的组成部分金融资产和房地产资产，美国的低收入群体几乎所有的家庭资产全部是房地产，而前20%的高收入群体中大部分资产却是金融资产，于是就造成了在美国越是贫穷的人家房地产的负债率就越高。