A situation where individuals or corporations find themselves in over their heads with debt, more than they can handle while trying to balance their buying power.
Overhang is a measure of potential dilution for common shareholders, usually related to stock-based compensation or large blocks of shares that may exert downward pressure on stock prices.
Pareto efficiency is a state in which resources are allocated in the most efficient way possible, making it impossible to improve one individual's situation without worsening another's.