The ratchet effect refers to the irreversibility of people's consumption habits after the formation, that is, it is easy to adjust upwards, but it is difficult to adjust downwards.
According to the above definition, which of the following is eligible for the ratchet effect?
Lao Zhu, who became rich overnight, frequently went to high-end consumer places and lived a life of spending money. He soon was unable to make ends meet and returned to his previous life. Everyone was sighing, he didn't care about it.