单词fink out
n.: 大失败；退出；退缩网络: 比喻对人让步，避免冲突；食言
Subprime lending is a gamble between financial institutions and borrowers, betting for the time and probability of borrowers" fink -out.
次贷是金融机构与借款者进行赌博，赌的就是借款者背信发生的时间和概率。