尽管高收入和富裕家庭的储蓄可以起到缓冲消费下滑的作用，它们也无须被迫进行储蓄，但低收入家庭则必须增加储蓄，因为银行和其他放贷人削减了房屋净值贷款，调低了信用卡额度。
And, while higher-income and wealthier households have a buffer of savings to smooth consumption and avoid having to increase savings, most lower-income households must save more, as banks and other lenders cut back on home-equity loans and lower limits on credit cards.