Crossword Genius

Financial concern — would that discourage one from acting? (8,6)

Ross

I believe the answer is:

negative equity

'financial concern' is the definition.
(a concerning development in finance)

I don't understand how the remainder of the clue works.

(Other definitions for negative equity that I've seen before include "financial problem" , "borrowing greater than assets - with 22d" , "unable to move for this?" .)

I've seen this clue in The Times.
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