إن تعافي البنوك يحدث عندما تُقلِّص المنافسة، وتُقرِض لها الأموال بأسعار فائدة صفرية، وتسمح لها بالمقامرة. هذا النمط الخاص من الإصلاح يُعيق في الواقع التعافي الاقتصادي.

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