When perceptions suddenly shift, it may be rational for individual creditors to abruptly demand full repayment from borrowers, even though such actions make creditors collectively worse off as a result.
观念骤然改变时，个别的债权人可能有理由突然之间要求借款人偿还全部借款，尽管这种做法结果会造成各个债权人集体亏损。