If you look at our theories of social pathology and then at the dismal conditions in which children grow up in our ghettos, you would predict that all of them would be on drugs or psychological basket cases. Yet if you use criteria like gainful employment, forming partnerships and life without crime, you will find that most of those kids make it.
Albert BanduraPeople who underestimate their capabilities also bear costs, although, as already noted, these are more likely to take self-limiting rather than aversive forms. By failing to cultivate personal potentialities and constricting their activities, such persons cut themselves off from many rewarding experiences. Should they attempt tasks having evaluative significance, they create internal obstacles to effective performance by approaching them with unnerving self-doubts
Albert BanduraMoreover, joint occurrences tend to be better recalled than instances when the effect does not occur. The proneness to remember confirming instances, but to overlook disconfirming ones, further serves to convert, in thought, coincidences into causalities.
Albert BanduraWhen people are not aiming for anything in particular or when they cannot monitor their performance, there is little basis for translating perceived efficacy into appropriate magnitudes of effort
Albert Bandura