一半以上美国人的net assets 来自房屋升值。

但房子是住的。

一但没有工作：你还是要付欠帐的。

看看美国人的平均负债吧：

The average American household carries $137,063 in debt, according to the Federal Reserve's latest numbers. Yet the U.S. Census Bureau reports that the median household income was just $59,039 last year, suggesting that many Americans are living beyond their means.