更糟糕的是，美联储和它的前主席格林斯潘也许帮助制造了这场困难，他们鼓励家庭接受有风险的可变利率抵押贷款，并且一再向那些担心房地产泡沫的人保证市场上最多只有一点点“泡沫 ” 。
Worse, the US Federal Reserve and its previous chairman, Alan Greenspan, may have helped create the problem, encouraging households to take on risky variable-rate mortgages by reassuring those who worried about a housing bubble that there was at most a little “froth” in the market.