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  3. PASSAGE ONE According to some critics, what is a better way to ensure Americans to prepare for financial life?

PASSAGE ONE According to some critics, what is a better way to ensure Americans to prepare for financial life?

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问题 PASSAGE ONE
According to some critics, what is a better way to ensure Americans to prepare for financial life?
选项
答案To set up new institutions．
解析 根据题目中的critics和prepare for financial life定位到文章倒数第2段。该段第2、3句指出，有些批评者认为解决问题比较好的办法是进行体制改革，建立新的体构，使理财变得更为容易。答案可填To set upnew institutions。
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