This paper proposes a theoretical framework in an attempt to better explain the behaviours of some consumers of financial products during market crises. We review the established notions of irrationality and deception, and then add the construct of disconnection from financial needs, goals and preferences. We propone that these three concepts, respectively, cognitive, behavioural and emotional in nature, create a dark financial profile (DFP) by which these consumers unwittingly build debt. We use bibliometrics to highlight the current gap in the scholarly domains of interest and provide market examples of how the DFP likely deploys in the marketplace. This is the first article to use disconnection in such a context, and to improve the understanding of consumer behaviours in regard to disconnection, irrationality, deception and debt. Thus, we enrich the literature on debt, which has at times ignored the role of the combination of these constructs. We investigate avenues of research for developing further our emerging framework, especially on the notion of disconnection, and suggest that this effort may assist in preparing effective marketing of financial education programs and improving lending practices.

中文翻译：

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导致债务陷阱的黑暗财务状况——一个理论框架

本文提出了一个理论框架，试图更好地解释市场危机期间某些金融产品消费者的行为。我们回顾了非理性和欺骗的既定概念，然后添加了与财务需求、目标和偏好脱节的结构。我们提出，这三个概念，分别是认知、行为和情感本质上的概念，创造了一种黑暗的财务状况（DFP），这些消费者通过这种状况不知不觉地积累了债务。我们使用文献计量学来突出感兴趣的学术领域中的当前差距，并提供 DFP 如何可能在市场中部署的市场示例。这是第一篇在这种情况下使用断开连接的文章，旨在提高对断开连接、非理性、欺骗和债务方面的消费者行为的理解。因此，我们丰富了关于债务的文献，这些文献有时忽略了这些结构组合的作用。我们调查了进一步发展我们的新兴框架的研究途径，尤其是在断开连接的概念上，并建议这项工作可能有助于准备金融教育计划的有效营销和改进贷款实践。