许多人并没有买到较穷时支出、较富时储蓄的能力，而是买到了暂时不必与其他家庭成员讨论“不愉快的财务紧缩”的机会。
Many are not buying the ability to spend when they are poor and save when they are rich, but instead appear to be buying postponement of the “unpleasant financial retrenchment” talk with the other members of their household.