随着借贷门槛降低，增加消费的并非富人群体，他们的支出本不受收入制约；增加消费的主要是贫穷和年轻的家庭，他们的梦想超出了他们的收入。
When borrowing becomes easier, it is not the well-to-do, whose spending is not constrained by their incomes, who increase their consumption; rather, the increase comes from poorer and younger families whose needs and dreams far outpace their incomes.