1）翻译下面的句子：
在努力省钱的同时靠信贷生活会适得其反。
Living on credit while trying to save money is counterproductive.
2）场景：
面对冲突和摩擦一味妥协可能并不会产生理想的效果，事实上也许会适得其反。
Always compromising when facing friction and conflict seems to be a panacea, but in truth it can be troublingly counterproductive.
