It's interesting that this quote in the abstract points out that the dynamic the authors consider bad actually leads to a good outcome: self-sufficiency.

> “While quite young,... Vronsky had experienced the humiliation of a refusal when, having got into debt, he had tried to borrow money, and since then he had never again allowed himself to get into such a position.” (L. Tolstoi, Anna Karenina)

Self-sufficiency has some downsides and inefficiencies but so does its opposite. A better paper would explore that side also, and the balance.