A well-designed deposit insurance system can prevent bank runs without creating excessive moral hazard.
设计良好的存款保险制度可以防止银行挤兑，同时不会造成过度的道德风险。
人心真是一个难以琢磨的东西！
Technology should work for you in the background, seamlessly and invisibly.
Legal rules are not commands but rather standards of conduct.
做人就是与自己发生冲突。
The problem of modern society is it turns the whole world into a school. Everybody's wearing jeans, everybody's the same. And yet, they're not. So there's a spirit of equality combined with deep inequality, which can make for a very stressful situation.