金融危机不是天灾。它们是由人类行为引起的，也可以通过人类行为来预防。
Financial crises are not acts of God. They are caused by human actions and can be prevented by human actions.
In the long history of humankind (and animal kind, too) those who learned to collaborate and improvise most effectively have prevailed.
Deposit insurance changes the behavior of both banks and depositors.
作家是专业的观察者。