Financiers tell their not-for-attribution account of the mortgage crisis like this: Americans undersaved and overspent for decades, relying on rising property values to bankroll their lifestyles.

• 金融界人士对信贷危机的持平看法是：美国人数十年来钱存得不够，却花太凶，靠房地产增值支撑他们的生活方式。