The ratchet effect refers to the irreversibility after the formation of human consumption habits, that is, it is easy to adjust upwards, but difficult to adjust downwards. According to the above definition, Which of the following are consistent with the ratchet effect:. ["Mr. Zhao's business failed. After selling the company's assets and the real estate under his name, he still owed the bank more than 200,000 yuan, but for the convenience of travel, he did not use his own premium car to pay off the debt.", 'Lee did not tell anyone after buying the lottery to win the 5 million prize. He secretly deposited the money in the bank, and went to work, as usual, got off work, and worked more actively.', 'A wealthy Lao Zhu, frequented high-end consumer places, lived a life of money, quickly made ends meet, and returned to the previous state of life. Everyone sighed endlessly.', 'Wang, the old man came to the city from the countryside to bring his grandson, but he was reluctant to use the air conditioner because of the distressed electricity charges. He used an excuse to say that he was not used to the cold air from the air conditioner.']