Hence, it exists in every country of the world; it's everywhere and so it's not something we can live without.

因此它普遍存在于世界上每个国家,无处不在,也就成了我们生活中不可或缺的东西

耶鲁公开课 - 金融市场课程节选

Every advanced country in the world has a system that provides for this, including the United States, incidentally.

世界上每一个发达国家,顺便一提，包括美国在内，都有应对这些情况的制度。

耶鲁公开课 - 金融市场课程节选