阿提夫·米安（Atif Mian）和阿米尔·苏菲（Amir Sufi）警告说，美国消费者的汽车和其他耐用品消费受不可持续的“次级”借贷行为驱动，而这正是危机前刺激买房行为的因素。
Atif Mian and Amir Sufi warn that US consumers’ purchases of cars and other durables have been bolstered by the same unsustainable “subprime” lending practices that were used to finance home purchases before the crisis.