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幾十年前，仍對大蕭條心有餘悸的美國人也曾是儲蓄大戶。不過，嬰兒潮一代人沒有經曆過大蕭條，在信用卡催生的“為什麽等待、現在就消費”文化的誘惑下，走上了瘋狂消費之路。

Several dacades ago, those Americans who were still terrified by the Great Depression had very high saving rate at one time. But things had changed for baby boomers who had no feeling about the Great Depression,with temptation of the prevailing consumer culture induced by credit cards that embraced the idea of “why wait, spend now”, they had gone crazy with spendings.