来自《耶鲁大学开放课程：博弈论 第13集 第13集》

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  not to mind about the fact that they'll be sleeping in the rain,
  在大雨天里露宿街头
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  but as long as that's the case,
  但是如果真是这种情况
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  I think with high probability you're now going to decide to return the loan,
  我相信在有能力的情况下你们都会选择
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  at least if you can. Is that right?
  偿还贷款的 是这样吧
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  Now notice that the way in which this collateral works.
  下面我们看看担保是怎么起作用的呢
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  There's a subtlety to how this collateral works.
  担保起到的作用很微妙
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  You might think that the way in which collateral works
  你可能觉得担保的作用就是
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  is that now the lender feels safer,
  使得贷方更有安全感了
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  because even if you end up defaulting on the loan,
  因为即使以后你拖欠贷款
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  at least they get this house.
  他们至少可以得到一个房子吧
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  That's true. There's some truth in that,
  这也没错 确实有这方面的原因
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  but that's really not the key here.
  但是这不是问题的关键所在