59.
Bank depositors in the United States are all financially protected against bank
failure because the government insures all individuals' bank deposits. An
economist argues that this insurance is partly responsible for the high rate of
bank failures, since it removes from depositors any financial incentive to find out
whether the bank that holds their money is secure against failure. If depositors
were more selective, then banks would need to be secure in order to compete for
depositors' money.
Which of the following, if true, most seriously weakens the economist's argument?
(A) Before the government started to insure depositors against bank failure, there
was a lower rate of bank failure than there is now.
(B) When the government did not insure deposits, frequent bank failures occurred as
a result of depositors' fears of losing money in bank failures.
(C) Surveys show that a significant proportion of depositors are aware that their
deposits are insured by the government.
(D) There is an upper limit on the amount of an individual's deposit that the
government will insure, but very few individuals' deposits exceed this limit.
(E) The security of a bank against failure depends on the percentage of its assets
that are loaned out and also on how much risk its loans involve.
注：正确答案是B。
请教：我觉得这道题应该选E。因为，问题问的是什么选项削弱了经济学家的argument。 而本
题中经济学家的argument是：银行倒闭部分是因为政府的insure。E说明了银行倒闭的原因是它
的assets，正好削弱了经济学家所说的银行倒闭是因为政府的insure。
非常希望大家能讨论这道题。谢谢！
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