在穆雷看来，问题在于社会保险意味着做得不好不会导致崩溃 — — 我们需要导致崩溃的坏行为，这样才能让人们不再做出坏行为。
For Murray, it is that social insurance means that behaving badly does not lead to catastrophe – and we need bad behavior to lead to catastrophe in order to keep people from behaving badly.