More ambitiously, private and public institutions could try to reintroduce an old social norm: try to pay off the mortgage sooner rather than later, and at the latest by the time you retire.

• 更为雄心勃勃的方案是，私营和公共机构可以尝试重新引入一种古老的社会规范：设法提前而不是延迟偿清抵押贷款，而且最迟是在退休之前。