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很多人以为各国持有美债是一种正常的投资行为：美债安全、流动性好、收益稳定，所以全球央行把外汇储备买成美债，合情合理。，详情可参考PDF资料
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Horvath was inclined to agree. He said the best learning happens where there is friction, or when a student needs to grapple with a problem and work through it. AI is most effective when experts use it, he argued. Someone with mastery of a skill knows how to deploy a certain AI tool and then fact-check its output. A student, however, doesn’t have mastery and looks to AI only for shortcuts.