但是所有关于惊人报酬的讨论将会刺激心理学家所说的“愿望思维偏向 ” ， 引导人们相信他们的私人账户会在将来变得如此值钱以至于他们不需要任何除此之外的储蓄。
But all the talk of wondrous returns could spur what psychologists call “wishful thinking bias,” leading people to believe that their personal accounts will be so valuable in the future that outside saving is unnecessary.