4 Even in a well-developed economy such as ours,  2  Brian K. Bucks, Arthur B. Kennickell, and Kevin B Moore (2005), "Recent Changes in Family Finances: Evidence from the 2001 and 2004 Survey of Consumers Finances", Federal Reserve Bulletin, vol. 91, pp. A1A38.
3  Refer to, for example, F. Thomas Juster and Robert P. Shay (1964), "Consumer Sensitivity to Finance Rates: An Empirical and Analytical Investigation", Occasional Paper 88 (New York: National Bureau of Economic Research). 4  Thorsten Beck, Asli Demirguc-Kunt, and Ross Levine (2004), "Finance, Inequality, and Poverty: CrossCountry Evidence", Working Paper Series 10979 (Cambridge, Mass. : National Bureau of Economic Research, December).