但解决问题可以将水下的“无追索权”抵押贷款转化为所谓的“可追索债务 ” ， 把不还债仅仅丢掉房屋转变为威胁到借款者的所有资产，并借此为美国的杠杆文化注入新的责任感。
But converting underwater “non-recourse” mortgage loans, where only the house is at risk, into so-called “recourse liabilities,” for which nonpayment would have consequences for all of a borrower’s assets, could address this concern, while simultaneously tempering America’s culture of leverage with a much greater sense of responsibility.