不断带来坏消息的次贷危机,持续贬值的美元毫无翻转的迹象,巨幅震荡的股市依然没有稳定下来的意思,财富大幅缩水……全球的金融界越来越感到恐慌。借用经济学上的“货币错觉”的概念,车耳提出了财富错觉的概念。财富错觉是指人们高估自己的借贷能力或波动性的预期收入,出现比以前更富裕了的感觉,由此产生过度消费的冲动,并在实际生活中增加支出。20世纪后期,美国经济的长期持续增长,使人们自然而然地认为繁荣会无限期地持续下去,财富也会 The subprime mortgage crisis, which continues to bring bad news, has no signs of a reversal in the devaluing dollar. The hugely volatile stock market is still not stable, its wealth has shrunk dramatically ... The world's financial community is getting more and more alarmed. By borrowing the concept of “monetary illusion” in economics, the concept of wealth illusion was put forward. The illusion of wealth is that people overestimate their expected ability to borrow money or volatility, feeling richer than before, creating an impulse to overconsumption and increasing spending in real life. The long-term sustained growth of the U.S. economy in the late twentieth century led to a natural assumption that prosperity would last indefinitely and wealth would