to boil down to

 In short, consumers’ fears can be boiled down to: is all of this actually worth anything? 

what it all boils down to is more inflation

to boil down:  reducir

to boil down to: reducirse a (en resumidas cuentas). If you say that a situation or problem boils down to a particular thing or can be boiled down to a particular thing, quieres decir que es lo mas importante o el aspecto fundamental de algo