The problem is that people basically dangle debt in front of us. And the cost for the poor of course is much higher than for the wealthy.

Motivation, basically getting people to be happy at work, everybody - everybody benefits.

Imagine you owe on five credit cards, you owe five debts. So which debt should you pay first? And the answer is very simple: You should pay the one with the highest interest rate first. But that's not what people do.

The companies that provide debt, what do you think their goal is? Is their goal for you to fully understand the cost of your debt? No. So they're basically creating these approaches to make you feel like it is incredibly cheap or just to think about the cost per day rather the cost per year or cost for a lifetime. So debt is very simple mistake.

Not all debt is bad. From time to time we should get into debt when there's a good reason for that.

Dishonesty is all about the small acts we can take and then think, 'No, this not real cheating.' So if you think that the main mechanism is rationalization, then what you come up with, and that's what we find, is that we're basically trying to balance feeling good about ourselves.

But suppose we are nothing more than the sum of our first, naive, random behaviors. What then?