BLUMBERG: And this is one of the dark sides of the formal system.

BLUMBERG：这是正式系统的阴暗面之一。

BLUMBERG: And people spend this money however they want.

BLUMBERG：人们随心所欲地花这笔钱。

BLUMBERG: And this guy who wanted the $20 was in the halfway house with Miguelo.

布伦伯格：这个想要20美元的人和米格洛在中途之家。

BLUMBERG: And Tamara actually has a savings account.

BLUMBERG：Tamara 实际上有一个储蓄账户。

BLUMBERG: Can I just say, harsh informal system?

BLUMBERG：我可以说，苛刻的非正式系统吗？

BLUMBERG: That is, like, way colder than the formal system.

BLUMBERG：也就是说， 比正式系统冷多了。

BLUMBERG: Like a bank, Miguelo takes deposits.

布隆伯格：就像银行一样， Miguelo 接受存款。

BLUMBERG: And there's actually a social aspect to a lot of these informal financial systems.

BLUMBERG：实际上， 许多这些非正式金融系统都具有社会方面的意义。

BLUMBERG: Just like with Miguelo hassling his brother about where his money is going, the sou-sou also uses this social pressure to keep your behavior in check.

BLUMBERG：就像 Miguelo 纠缠他的兄弟关于他的钱的去向一样，sous-sou 也利用这种社会压力来控制你的行为。

BLUMBERG: So man, we, too, have been debating what we should think about all this stuff, all these DIY financial systems that people have set up.

BLUMBERG：伙计， 我们也一直在争论我们应该如何看待所有这些东西，所有这些人们已经建立的 DIY 金融系统。

BLUMBERG: And another problem - yeah, these informal lending networks - sure, sometimes it's friends and relatives giving you a no-interest loan, like what Miguelo does.

BLUMBERG：还有一个问题——是的，这些非正式借贷网络——当然，有时是朋友和亲戚给你无息贷款，就像 Miguelo 所做的那样。

BLUMBERG: I love to imagine, like, going to the ATM and your ATM hassling you about what you're going to do with the money you're withdrawing.

BLUMBERG：我喜欢想象， 比如，去自动取款机， 你的自动取款机会纠缠你要如何处理你提取的钱。