另外一种信贷危机也同样重要，但其受到的关注却少得多，即使它损坏了社会的凝聚力、生产力以及人们维持自身生活水平的能力（尤其是对底层人群来说 ） 。
But the other credit crisis is equally consequential, and receives much less attention, even as it erodes societies’ integrity, productive capabilities, and ability to maintain living standards (particularly for the least fortunate).