这一令人信服的观点由阿提夫·米安（Atif Mian）和埃米尔·苏菲（Amir Sufi）在《债务屋 》 （ House of Debt）中提出。
That argument is persuasively made by Atif Mian and Amir Sufi in House of Debt, an important new book that analyzes US data on a county-by-county basis.