If a situation or decision comes down to something, that is the thing that influences it most.

What it all comes down to is your incredible insecurity. 归根结底，一切都在于你强烈的不安全感。

It all comes down to money in the end. 归根到底就是钱的问题。

[ + question word ] Eventually our choice of hotel will come down to how much we can afford. 我们最终选择哪家酒店归根结底取决于我们能付得起多少钱。

If a situation or problem comes down to something, it can be described or explained most simply in that way.

What the problem comes down to is whether the consumer will be willing to pay more for a higher quality product. 问题可归结为：消费者是否愿意花更多的钱购买更高质量的产品。