But paternalists may require minimum down payments or the abolition of teaser interest rates and other devices that encouraged ordinary people to borrow more than they could afford. 但家长主义者可能会要求设定最低首付或者废除诱惑性低利率(teaserinterestrates),以及其它鼓励普通老百姓借入超过其承受能力的贷款的工具。
Soft paternalists also want to give people more room to rethink "hot and hasty" decisions. 软家长主义者还想给人们更多的空间去反思“头脑发热和一时冲动”的决定。