问题如下：
Which of the following is true about predatory lending and predatory borrowing?
选项： Both underprovide credit.
Both overprovide credit.
C.Predatory lending underprovides credit and predatory borrowing overprovides credit.
D.Predatory lending overprovides credit and predatory borrowing underprovides credit.
解释：
B Predatory borrowing is when the borrower misrepresents themselves to obtain credit they otherwise would be denied. Predatory lending is providing credit that is welfare decreasing and should not be provided.
解释中的 is welfare decreasing，是什么意思
