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因此，人们选择在制度之外经营，并不是道德堕落，而是制度排斥。他们在非正式网络中完成占地、交易与仲裁。这些规则未必高效，但至少可行。然而，这套体系无法标准化，无法跨区域使用，也无法被金融系统识别，一个在贫民窟有效的“地契”，在银行依然一文不值。