不论是美国家庭还是欧洲政府，无法消除债务宿醉的主要障碍来自银行家，他们说，出于两个原因，这样会造成金融市场浩劫。
In both cases, the main argument for not removing the debt overhang came from bankers, who claimed that it would create havoc in financial markets for two reasons.