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经济危机背景下，CPI一定是会下跌的。大家都把钱存到了银行里，以备不时之需。
美国哈佛大学的研究人员进行了调查，就大学生在大学毕业后是否后悔当时没有用功学习。但是大部分学生表示第一年假期之后，他们后悔没有认真学习，但是之后，更多人表示他们因为没有去玩而感到遗憾。
同样地，在经济危机的时候，人们都不花钱，但是会因为没有及时行乐感到遗憾和后悔。所以，我们还是“吃光用光，身体健康”吧！不要过多考虑以后的事情。
We interrupt this recession to bring you news of another crisis, which is much more pleasant to deal with. Now that shoppers have sworn off credit cards, we're risking an epidemic of a hitherto neglected affliction: saver's remorse.
The victims won't evoke much sympathy, but their condition is real enough to merit a new label. Consumer psychologists call it hyperopia, the medical term for farsightedness, because it's the result of people looking too far ahead. They're so obsessed with preparing for the future that they can't enjoy the present, and they end up looking back sadly on all their lost opportunities for fun.
It's hard to imagine this excessive foresight being much of a burden for, say, Bernard L. Madoff. Nor for the optimists who took out balloon mortgages. But hyperopia does seem to affect a wide range of people in some circumstances.
Balloon Mortgage：（增值抵押）一种不足以偿还票据的定期付款抵押，因此最后需要一大笔支付金额。
Splurging on a vacation or a pair of shoes or a plasma television can produce an immediate case of buyer's remorse, but that feeling isn't permanent, according to Ran Kivetz of Columbia University and Anat Keinan of Harvard. In one study, these consumer psychologists asked college students how they felt about the balance of work and play on their winter breaks.
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Immediately after the break, the students' chief regrets were over not doing enough studying, working and saving money. But when they contemplated their break a year later, they were more likely to regret not having enough fun, not traveling and not spending money. And when alumni returned for their 40th reunion, they had even stronger regrets about too much work and not enough play on their collegiate breaks.
"People feel guilty about hedonism right afterwards, but as time passes the guilt dissipates," said Dr. Kivetz, a professor of marketing at the Columbia Business School. "At some point there's a reversal, and what builds up is this wistful feeling of missing out on life's pleasures."
He and Keinan managed to change consumers' behavior simply by asking a few questions to bus riders going to outlet stores and to other shoppers.
The people who were asked to imagine how they would feel the following week about their purchases proceeded to shop thriftily for basic necessities, like underwear and socks. But people who were asked to imagine how they'd feel about their purchases in the distant future responded by spending more money and concentrating on indulgences like jewelry and designer jeans
"When I look back at my life," one of these high rollers explained, "I like remembering myself happy. So if it makes me happy, it's worth it."
Aesop told a fable of two types of people: the virtuous Ant who saves for the winter and the improvident Grasshopper who is punished with starvation. But even the most conscientious Ants sometimes recognize the need to lighten up — and, with typical Ant discipline, will find ways to "precommit to indulgence," as Dr. Kivetz discovered in a lottery experiment he conducted with Itamar Simonson of Stanford University.
The experimental participants, who were all women, were given a ticket for a lottery drawing to be held three months later, and asked to choose in advance which prize they'd prefer if they won: $85 in cash, or a voucher for an $80 massage or facial at a spa. They were reminded that they could simply use the $85 in cash to buy the spa treatment (and have $5 left over), but even so, more than a third of the women chose the voucher for the spa.
Similar results turned up when the researchers asked men and women to pick other kind of prizes or to redeem points earned in frequent-buyer programs. When choosing between cash and "hedonic luxuries" like bottles of wine, dinners or vacations, a substantial minority chose the luxuries even though the cash was a better deal.
"If I took the cash," one person explained, "it would end up going into the rent."
Other experiments showed that people will work harder for luxuries than for more practical prizes — and the more effort that's required, the more they feel entitled to a self-indulgent reward. That is a motivation strategy for managers and marketers to keep in mind, Dr. Kivetz said.