<prompt> Translate the following text to EnglishKuzuia au vikwazo juu ya kukopa au aina nyingine za usambazaji wa kabla ya kustaafu kunaweza kupunguza uwezo wa baadhi ya kaya kupunguza akiba yao nyingine kwa kukabiliana na akaunti za mtu binafsi.  <response>: Prohibitions or restrictions on borrowing or other forms of pre-retirement distributions could limit the ability of some households to reduce their other saving in response to individual accounts. 