Ulis Sets: Why are we willing to be restrained

Do you have the habit of "giving money to others to manage"? If a bank keeps the funds for you, withdrawing the fee in advance, it is free to the agreed date. Are you willing?

There is still such a phenomenon around Zhanlujun: A In order to restrain his weight loss, he handed over a certain amount of money to B. If the weight loss of weight loss is still A, but if the weight loss fails, the money belongs to B.

Why are people willing to be restrained in a certain situation? Why don't you enjoy the opportunity to control your capital? For example, the interest of the bank that can be ignored is low ...

Relying on others to make decisions for their future. Is this reasonable?

01

In 1909, Merkel Randis, the financial director of the Caraire Trust, Pennsylvania, suddenly had a new idea of ​​profit in a long -distance walk -open a "Christmas bank club": customers will deposit in the bank for one year, If they withdraw money in advance, they will charge fees; if they persist until the end of the year, people can get the money they deposited in time and sell them festivals.

If this idea is valid, the bank will have sufficient funds throughout the year for reinvestment and profit. But will this idea useful? Does people want to give up their funds throughout the year without interest?

After Randis made a preliminary attempt, the concept immediately became hot. That year, nearly 400 customers were deposited at $ 28 per person, which was a considerable amount of money in the early 20th century. Randis and other bankers can't believe their luck -customers want them to hold their money.

The popularity of the Christmas Bank Club has risen rapidly, and different banks soon fight for this holiday savings business. The newspaper also persuaded parents to sign up for their children to participate in the Christmas Bank Club: "In order to cultivate the habit of self -reliance and savings."

By the 1920s, a small savings bank, including the small savings banks in Torleto, Ohio and several banks, which are located in the Atlantic Trust in the New Jersey, began to create attractive Bonoric Christmas Bank Club logos to create attractive brass. Attract new customers.

The sign said: "Join our Christmas bank club, keep you spend money on the blade."

Why is the Christmas Bank Club popular? If the depositor controls his money throughout the year, they can make more interest or invest in new opportunities. Any economist will recommend them to hold their capital tightly. Therefore, why do people willing to ask the bank to take their own money, even if it is facing a series of restrictions and the cost of withdrawal in advance? The answer is obvious: people want someone to stop them from spending money. They know that if they hold the money, the money is likely to be spent.

For the same reason, people usually use the U.S. IRS as an alternative to the Christmas Bank Club: By declare less salary tax reduction, they let the U.S. Taxation Agency help them leave more money in one year. By April of the following year, they will get the joy of checking the mailbox. It feels like a sum of money -although it is their own money, and the government has received interest.

Despite knowing this, when intuition tells people that when they spend these extra money in a year, they will still choose this road. They would rather give the responsibility to protect themselves from making impulse decisions to others.

Why do people do not control their behavior and enjoy the opportunity to control their capital?

To understand the phenomenon of the Phenomenon of Christmas Bank Clubs and the IRS, we need to return to the age of 3,000 years ago, that is, the hero of King Iska and the hero of the Troy War.

02

Picture source: https://www.bryanbraun.com

After the Troy War, in the long maritime sailing of Iska Island, Hometown, Ulysses realized that there was a difficult challenge in front of him.

His ship will sing the song through Siren Island, where the beautiful Siren banshee sings the song. Her singing is seductive and can even destroy human thought. The sailors who hear this kind of singing will drive towards the cunning banshee, so their boat will hit a ruthless reef, and the people on the boat will be drowned.

Ulisis thought a plan. He knew that when he heard the singing, he could not resist like any other mortal, so he came up with a way to deal with the future self -not the current rational Ulysses, but the future crazy Yulisus Essence

He ordered his men to tie him firmly on the mast of the boat so that he could not move when the singing passed by the bow. Then he asked his men to block their ears with beeswax so that they would not be seduced by the singing of the Siren Banshee, or hearing his crazy order. He made it clear to his men that they could not respond to his request or release him until the ship was completely passing through Siren.

Ulisis speculated that he would scream, yell, and curse, trying to force his men to go towards the charming banshee -he knew that "the future Yulisis" could not make the right decision. Therefore, Ulisis, who is full of mind, in this way to prevent him from doing stupid things when passing by Siren Island.

This is an agreement reached between the current Ulisis and the future Yulisis.

This myth emphasizes the development of meta -knowledge about short -term thinking and long -term thinking camp interaction. Surprisingly, thinking can be "negotiated" with yourself at different times.

Imagine that there is a human persuasion to eat chocolate cake. Some parts of your brain want glucose, and other parts are concerned about your weight loss recipes; some parts consider short -term returns, while others consider long -term strategy. When these struggles tilt towards your emotions, you decide to be happy. But there is no agreement: you only eat it without the next day to ensure that you go to the gym. Who is this negotiation? Aren't both parties in the negotiations "you"?

The decision to restrain your future freedom is the "Yulisis Contract" in the philosopher's mouth. For a specific example, one of the initial stages of quitting alcoholic addiction is to ensure that there is no alcohol around when the brain is awake. After a stressful working day, or the weekend of a festival, the temptation will become too strong.

People will reach the "Ulysses Contract" at all times, which explains the successful and long -lasting success of Merkel Randis's Christmas bank club. When people pay money in April, they are vigilant about October in their actions. They know that they will be seduced and spend all the money to satisfy the current selfish desires, rather than postponed until December and then spend again. Essence

The arrangements of many companies have developed to the point that allows people to actively restrain the future. Taking a website as an example, it helps you lose weight by conducting business negotiations with your future. The following is its way of operation: you pay $ 100 deposit, and at the same time promise to lose 5 kg.

If you do it within the promise time, you can get all the money; if you do not lose weight within the specified time, the company will keep the money. This agreement depends on credit and is easy to be deceived, but despite this, these companies are still profitable.

Why? Because people understand that when they are about to win their money, their emotional systems will pay more and more attention, and short -term systems and long -term systems will confront each other.

Fortunately, we can sometimes help from the calmness of others, just like Ulisis relies on his sailor. The rule of experience is: when you cannot rely on your own rational system, you borrow others.

The above content is taken from "Hidden Self"

---

Author David Igman is a world -renowned brain scientist. He taught at Stanford University. He is a scientific consultant of the hot American drama "Western World", as well as authoritative figures such as brain plasticity, time perception, consciousness and neurodes.

People often think that "people who understand me are myself", but philosophers have already learned how difficult it is to know how to understand themselves, and consciousness is the most complicated psychology. Professor Igman decides self -awareness from the perspective of brain science and his role in human social life. After reading this book, your understanding of "self" will be deeper.

- END -