✔ 最佳答案
Downward Spiral - 我會譯做 "急轉直下"
financial roller-coaster ride = 金融過山車
home owners = 擁有物業的人士 (In other countries, the only property that most people own is their home hence home owner)
pay off their mortgages = 按揭供款
that = 指沒有能力供款
has got 令到
it 亦是指沒有能力供款