It might help to think of the principal as the boss and the agent as an employee.

将视为老板，将代理视为雇员可能会有所助。

Many of the basic power dynamics in society boil down to the relationship between one person—a principal—who needs another—an agent—to do something for him.

在社会中，许多基的权力动力学可以归纳为一个————需要另一个——代理——为其做事之间的关系。

That the agent, in this case the borrower has incentives--will have incentives--to do things that are not in the interests of the principal.

代理，在例中是借款，会有动机去做一些不符合利益的事情。