Why we think it's OK to cheat and steal (sometimes) | Dan Ariely

768,015 views ・ 2009-03-18

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譯者: Coco Shen 審譯者: Geoff Chen
00:19
I want to talk to you today a little bit
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今日我想要稍微談論
00:21
about predictable irrationality.
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那些預知的非理性
00:24
And my interest in irrational behavior
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我對非理性的行為態度產生興趣
00:28
started many years ago in the hospital.
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從很多年以前開始,在一個醫院裏
00:31
I was burned very badly.
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當時我嚴重燒傷
00:35
And if you spend a lot of time in hospital,
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如果你在醫院裏待了很長時間
00:38
you'll see a lot of types of irrationalities.
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你將會看見許多不同類型的荒謬
00:41
And the one that particularly bothered me in the burn department
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在醫院的燒燙傷部門讓我最難以接受的荒謬
00:46
was the process by which the nurses took the bandage off me.
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發生在護士為我拆除繃帶的時候
00:51
Now, you must have all taken a Band-Aid off at some point,
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每個人應該都有使用OK繃的經驗
00:53
and you must have wondered what's the right approach.
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你也應該想過怎樣撕掉才是最好的
00:56
Do you rip it off quickly -- short duration but high intensity --
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你是瞬間撕開 - 時間短但很痛
01:00
or do you take your Band-Aid off slowly --
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還是慢慢地把它撕掉
01:02
you take a long time, but each second is not as painful --
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雖然時間長,但感覺不這麼痛
01:06
which one of those is the right approach?
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哪一種才是比較好的方式?
01:09
The nurses in my department thought that the right approach
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當時在我部門的護士認為一次快速的撕開才是正確的
01:13
was the ripping one, so they would grab hold and they would rip,
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她們緊抓,然後撕開
01:16
and they would grab hold and they would rip.
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然後再緊抓,再撕開
01:18
And because I had 70 percent of my body burned, it would take about an hour.
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當時我身體有百分之七十的燒傷,整個過程要一個小時
01:22
And as you can imagine,
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你可以想像
01:25
I hated that moment of ripping with incredible intensity.
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我非常痛恨撕開繃帶 極端痛苦的那刻
01:29
And I would try to reason with them and say,
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我努力地想和她們講理
01:31
"Why don't we try something else?
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“我們不能試試其他方法嗎?
01:32
Why don't we take it a little longer --
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我們不能花長一點的時間
01:34
maybe two hours instead of an hour -- and have less of this intensity?"
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或許兩個小時 - 讓痛苦不要這麼強烈?"
01:39
And the nurses told me two things.
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護士告訴我兩件事
01:41
They told me that they had the right model of the patient --
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她們告訴我她們知道什麼對患者是最好的
01:45
that they knew what was the right thing to do to minimize my pain --
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她們知道如何減低我的痛苦
01:48
and they also told me that the word patient doesn't mean
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並且患者這個詞的意思
01:51
to make suggestions or to interfere or ...
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不包括”提出建議”或“嘗試干涉”
01:53
This is not just in Hebrew, by the way.
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不只在希伯來文是如此
01:56
It's in every language I've had experience with so far.
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幾乎我目前遇見的所有語言都是如此
01:59
And, you know, there's not much -- there wasn't much I could do,
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於是我無能為力
02:03
and they kept on doing what they were doing.
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她們繼續她們的方法
02:06
And about three years later, when I left the hospital,
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三年後,當我離開醫院時
02:08
I started studying at the university.
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我開始在大學做研究
02:11
And one of the most interesting lessons I learned
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我在學校裏學的最有趣的事情是
02:14
was that there is an experimental method
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“實驗法”的存在
02:16
that if you have a question you can create a replica of this question
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你可以靠複製經驗 來嘗試找出解答
02:20
in some abstract way, and you can try to examine this question,
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抽象地說,你可以試著檢驗你的問題
02:24
maybe learn something about the world.
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以嘗試瞭解這個世界上的事情
02:26
So that's what I did.
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於是我就這麼做了
02:28
I was still interested
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我仍然對
02:29
in this question of how do you take bandages off burn patients.
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如何撕開患者身上的繃帶這個問題很有興趣
02:31
So originally I didn't have much money,
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剛開始我沒有什麼資金
02:34
so I went to a hardware store and I bought a carpenter's vice.
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我去五金行買了一個木匠用的老虎鉗
02:38
And I would bring people to the lab and I would put their finger in it,
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我把那些來到實驗室的人的手指放到裏面
02:42
and I would crunch it a little bit.
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然後“嘎吱”一下
02:44
(Laughter)
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(笑聲)
02:46
And I would crunch it for long periods and short periods,
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我會用較長的時間或較短的時間擠壓
02:49
and pain that went up and pain that went down,
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那些較為嚴重的痛 和較輕微的痛
02:51
and with breaks and without breaks -- all kinds of versions of pain.
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有休息的 和沒有休息的 - 許多不同種類的痛
02:55
And when I finished hurting people a little bit, I would ask them,
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當我結束傷害他們的時候,我會問
02:57
so, how painful was this? Or, how painful was this?
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這樣有多痛?那樣又有多痛?
02:59
Or, if you had to choose between the last two,
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如果你可以從中選擇一種的話
03:01
which one would you choose?
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你會選擇哪一種?
03:03
(Laughter)
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(笑聲)
03:06
I kept on doing this for a while.
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我這麼做了一陣子
03:09
(Laughter)
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(笑聲)
03:11
And then, like all good academic projects, I got more funding.
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就像所有優秀的學術研究一樣,我有更多資金
03:15
I moved to sounds, electrical shocks --
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我開始加入聲波,電擊
03:17
I even had a pain suit that I could get people to feel much more pain.
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我甚至製作了一件“疼痛服”讓人們能感受到更多痛楚
03:22
But at the end of this process,
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但在研究結束後
03:26
what I learned was that the nurses were wrong.
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我發覺護士們是錯的
03:29
Here were wonderful people with good intentions
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雖然她們都是善良的人
03:32
and plenty of experience, and nevertheless
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經驗豐富,但就算如此
03:34
they were getting things wrong predictably all the time.
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她們的觀念仍然是錯誤的
03:38
It turns out that because we don't encode duration
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因為在我們測量痛楚時
03:41
in the way that we encode intensity,
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我們並沒有考慮到延續性
03:43
I would have had less pain if the duration would have been longer
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如果把時間拉長
03:47
and the intensity was lower.
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我的痛楚就會減低
03:49
It turns out it would have been better to start with my face,
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最好的方法是從最痛的臉部開始
03:52
which was much more painful, and move toward my legs,
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再逐漸地往腿部下移
03:54
giving me a trend of improvement over time --
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讓我有一種逐漸減緩的感覺
03:57
that would have been also less painful.
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這樣也能減低我的痛苦
03:58
And it also turns out that it would have been good
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如果我可以在過程中稍作休息
04:00
to give me breaks in the middle to kind of recuperate from the pain.
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讓我有一些時間從痛楚中恢復
04:02
All of these would have been great things to do,
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這所有的方法都能改善我當時的情況
04:04
and my nurses had no idea.
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但這些護士卻毫無所悉
04:07
And from that point on I started thinking,
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從那時我開始想
04:08
are the nurses the only people in the world who get things wrong
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這些護士是全世界唯一有這種錯誤認知的人
04:11
in this particular decision, or is it a more general case?
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在這件特別的事情上,還是這其實是一種普遍現象?
04:14
And it turns out it's a more general case --
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於是我發現 其實這是一個普遍現象
04:16
there's a lot of mistakes we do.
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我們時常犯下這樣的錯誤
04:19
And I want to give you one example of one of these irrationalities,
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在這裏我想以作弊作為例子
04:24
and I want to talk to you about cheating.
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來討論這些非理性
04:27
And the reason I picked cheating is because it's interesting,
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我選擇作弊的原因是因為它很有趣
04:29
but also it tells us something, I think,
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也因為它也為我們現在股市的現狀
04:31
about the stock market situation we're in.
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提供了一些線索
04:34
So, my interest in cheating started
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我對作弊的興趣從
04:37
when Enron came on the scene, exploded all of a sudden,
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美國安隆公司突然爆發醜聞開始
04:39
and I started thinking about what is happening here.
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我開始思考究竟發生了什麼事
04:42
Is it the case that there was kind of
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難道這是來自一些
04:43
a few apples who are capable of doing these things,
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害群之馬才能犯下的例子
04:46
or are we talking a more endemic situation,
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還是一種地方性的現象
04:48
that many people are actually capable of behaving this way?
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許多人都抱持著這樣的態度?
04:52
So, like we usually do, I decided to do a simple experiment.
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於是,我們決定故技重施,進行一些簡單的試驗
04:56
And here's how it went.
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我們是這樣做的
04:57
If you were in the experiment, I would pass you a sheet of paper
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如果你參加了這個實驗,我會給你一張紙
05:00
with 20 simple math problems that everybody could solve,
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上面有二十個人人能解決的簡單數學問題
05:04
but I wouldn't give you enough time.
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但我不會給你足夠的時間
05:06
When the five minutes were over, I would say,
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當五分鐘到了以後,我會說
05:08
"Pass me the sheets of paper, and I'll pay you a dollar per question."
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“把紙交給我,答對一題我就給你一塊錢。”
05:11
People did this. I would pay people four dollars for their task --
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人們這麼做了。我付他們四塊
05:15
on average people would solve four problems.
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平均來說,人可以解決四個問題
05:17
Other people I would tempt to cheat.
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我嘗試引誘其中一些人作弊
05:20
I would pass their sheet of paper.
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我會給他們一張紙
05:21
When the five minutes were over, I would say,
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五分鐘到了以後,我會說
05:23
"Please shred the piece of paper.
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“請將那張紙撕碎
05:24
Put the little pieces in your pocket or in your backpack,
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把碎片放在口袋或是背包裏,
05:27
and tell me how many questions you got correctly."
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然後告訴我你答對了幾題。”
05:30
People now solved seven questions on average.
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平均突然從四題變成了七題
05:33
Now, it wasn't as if there was a few bad apples --
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不是有幾個害群之馬 --
05:38
a few people cheated a lot.
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換句話說,一小群人作很大的弊
05:41
Instead, what we saw is a lot of people who cheat a little bit.
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而是一大群人作一些小弊
05:44
Now, in economic theory,
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在經濟學理論上
05:47
cheating is a very simple cost-benefit analysis.
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作弊是一種非常簡單的成本效益分析
05:50
You say, what's the probability of being caught?
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被抓到的可能性有多高?
05:52
How much do I stand to gain from cheating?
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我作弊的好處有多少?
05:55
And how much punishment would I get if I get caught?
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被抓到會有怎樣的懲罰?
05:57
And you weigh these options out --
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你衡量這些選項
05:59
you do the simple cost-benefit analysis,
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一個簡單的成本效益分析
06:01
and you decide whether it's worthwhile to commit the crime or not.
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然後決定是否值得犯下罪行
06:04
So, we try to test this.
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我們對此進行一些測驗
06:06
For some people, we varied how much money they could get away with --
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我們開始給他們不同數目的金錢
06:10
how much money they could steal.
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他們所能偷竊的數目
06:11
We paid them 10 cents per correct question, 50 cents,
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我們給他們十分錢,五十分
06:14
a dollar, five dollars, 10 dollars per correct question.
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一塊錢,五塊錢,到十塊錢一個問題
06:17
You would expect that as the amount of money on the table increases,
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你預估當桌上的錢增多時
06:21
people would cheat more, but in fact it wasn't the case.
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人們也更願意作弊。但事實上卻不是
06:24
We got a lot of people cheating by stealing by a little bit.
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仍有許多人為了很少的金錢作弊
06:27
What about the probability of being caught?
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那難道是被抓到的可能性嗎?
06:30
Some people shredded half the sheet of paper,
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有些人只撕了半張紙
06:32
so there was some evidence left.
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還有些證據留下
06:33
Some people shredded the whole sheet of paper.
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有些人撕碎了整張紙
06:35
Some people shredded everything, went out of the room,
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有些人徹底撕碎了全部,走出房間
06:38
and paid themselves from the bowl of money that had over 100 dollars.
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然後從放有超過百元美金的碗裏拿走錢
06:41
You would expect that as the probability of being caught goes down,
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你會預估當被抓的可能性降低
06:44
people would cheat more, but again, this was not the case.
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人們作弊的幾率便會提升,但卻不是如此
06:47
Again, a lot of people cheated by just by a little bit,
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又一次地,許多人作了一些小弊
06:50
and they were insensitive to these economic incentives.
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人們並沒被這些經濟學所說的誘因影響
06:53
So we said, "If people are not sensitive
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我們想“如果這些符合經濟學邏輯的解答
06:54
to the economic rational theory explanations, to these forces,
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這些原因,對人們不造成影響
06:59
what could be going on?"
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那麼究竟發生了什麼事?”
07:02
And we thought maybe what is happening is that there are two forces.
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於是我們想,或許有兩種力量
07:05
At one hand, we all want to look at ourselves in the mirror
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一方面,我們都有自省的能力
07:07
and feel good about ourselves, so we don't want to cheat.
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都希望對自己感覺良好,所以我們不想作弊
07:10
On the other hand, we can cheat a little bit,
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另一方面,我們作一點小弊
07:12
and still feel good about ourselves.
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在還能對自己感覺良好的範圍裏
07:14
So, maybe what is happening is that
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所以或許
07:15
there's a level of cheating we can't go over,
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我們心中有一種不能跨越的尺度
07:17
but we can still benefit from cheating at a low degree,
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但我們仍然能從一些小奸小惡中獲利
07:21
as long as it doesn't change our impressions about ourselves.
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只要不要讓我們自己感到不齒
07:24
We call this like a personal fudge factor.
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我們說這叫“自我蒙混因素”
07:28
Now, how would you test a personal fudge factor?
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但我們該如何測試自我蒙混因素呢?
07:32
Initially we said, what can we do to shrink the fudge factor?
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剛開始我們說,我們該怎麼做來降低蒙混因素呢?
07:36
So, we got people to the lab, and we said,
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當人們進入實驗室時,我們說
07:38
"We have two tasks for you today."
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“今日我們要給你兩個任務。”
07:40
First, we asked half the people
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第一,我們問其中一半的人
07:41
to recall either 10 books they read in high school,
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回想十本他們在高中所看過的書
07:43
or to recall The Ten Commandments,
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或是回憶聖經中的十誡
07:46
and then we tempted them with cheating.
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然後我們嘗試讓他們作弊。
07:48
Turns out the people who tried to recall The Ten Commandments --
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我們發覺那些嘗試回想十誡的人
07:51
and in our sample nobody could recall all of The Ten Commandments --
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雖然在我們的標本中沒有任何人能完整背誦出十誡
07:54
but those people who tried to recall The Ten Commandments,
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但那些嘗試回想聖經十誡的人
07:58
given the opportunity to cheat, did not cheat at all.
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面對作弊的可能性,卻沒有作弊
08:01
It wasn't that the more religious people --
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那並不代表對宗教信仰比較虔誠的人
08:03
the people who remembered more of the Commandments -- cheated less,
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那些能背誦出較多十誡的人,比較少作弊
08:04
and the less religious people --
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或那些對宗教信仰比較不虔誠的人
08:06
the people who couldn't remember almost any Commandments --
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那些無法回憶出任何一誡的人
08:07
cheated more.
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比較會作弊
08:09
The moment people thought about trying to recall The Ten Commandments,
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在人們嘗試回想十誡的那一刻
08:13
they stopped cheating.
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他們便不作弊了
08:14
In fact, even when we gave self-declared atheists
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事實上,就算我們讓那些自稱是無神論的人
08:16
the task of swearing on the Bible and we give them a chance to cheat,
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把手放在聖經上發誓,然後再給他們作弊的機會
08:20
they don't cheat at all.
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他們也仍然沒有作弊
08:24
Now, Ten Commandments is something that is hard
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要把聖經十誡帶進教育系統裏
08:26
to bring into the education system, so we said,
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是一件困難的事,所以我們說
08:28
"Why don't we get people to sign the honor code?"
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“不然我們讓人們在榮譽行為準則上簽名吧?”
08:30
So, we got people to sign,
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於是,我們讓他們簽名,
08:32
"I understand that this short survey falls under the MIT Honor Code."
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“我認知這份簡短調查遵行麻省理工學院的榮譽準則”
08:36
Then they shredded it. No cheating whatsoever.
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然後把它撕碎。沒有任何人作弊
08:39
And this is particularly interesting,
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這真是非常有趣
08:40
because MIT doesn't have an honor code.
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因為麻省理工學院根本沒有任何榮譽準則
08:42
(Laughter)
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(笑聲)
08:47
So, all this was about decreasing the fudge factor.
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這是有關降低蒙混因素的
08:51
What about increasing the fudge factor?
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又如何提高蒙混因素呢?
08:54
The first experiment -- I walked around MIT
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第一個實驗中 我在麻省理工學院遊走
08:56
and I distributed six-packs of Cokes in the refrigerators --
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我把半打可樂放進不同的冰箱中
08:59
these were common refrigerators for the undergrads.
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都是些給大學生的普通冰箱
09:01
And I came back to measure what we technically call
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然後再回去測量我們所說的
09:04
the half-lifetime of Coke -- how long does it last in the refrigerators?
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可樂的人生週期 - 它們能在冰箱裏留多久?
09:08
As you can expect it doesn't last very long; people take it.
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你可以想像那並沒有多久。人們拿走它們。
09:11
In contrast, I took a plate with six one-dollar bills,
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相對的,我把一個裝著六章一塊錢美金鈔票的盤子
09:15
and I left those plates in the same refrigerators.
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放進那些同樣的冰箱
09:18
No bill ever disappeared.
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沒有任何一張美金被拿走
09:19
Now, this is not a good social science experiment,
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這大概不是一個好的社會科學實驗
09:22
so to do it better I did the same experiment
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為了改善我再做了一次一樣的實驗
09:25
as I described to you before.
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就像我和諸位形容的一樣
09:27
A third of the people we passed the sheet, they gave it back to us.
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三分之一的人把試驗紙交會給我們
09:30
A third of the people we passed it to, they shredded it,
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三分之一的人把紙撕碎
09:33
they came to us and said,
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他們跟我們說
09:34
"Mr. Experimenter, I solved X problems. Give me X dollars."
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“先生,我解決了幾個問題,給我幾塊錢。”
09:37
A third of the people, when they finished shredding the piece of paper,
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三分之一的人,在他們把紙撕碎以後
09:40
they came to us and said,
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他們跟我們說
09:42
"Mr Experimenter, I solved X problems. Give me X tokens."
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“先生,我解決了幾個問題,給我幾個代幣。”
09:48
We did not pay them with dollars; we paid them with something else.
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我們沒有付他們現金,而是一些其他的代替品
09:51
And then they took the something else, they walked 12 feet to the side,
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他們拿著這些代替品,走到十二英尺遠的旁邊
09:54
and exchanged it for dollars.
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再把代替品換成現金
09:56
Think about the following intuition.
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試著想想以下的假設狀況
09:58
How bad would you feel about taking a pencil from work home,
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從公司拿一支鉛筆
10:01
compared to how bad would you feel
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或是從公司錢櫃裏拿走十分錢
10:03
about taking 10 cents from a petty cash box?
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哪一種感覺比較差?
10:05
These things feel very differently.
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這些事給人的感覺差異很大
10:08
Would being a step removed from cash for a few seconds
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把現金移動到稍為遠一點的地方,改拿代幣
10:11
by being paid by token make a difference?
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能不能造成什麼差異?
10:14
Our subjects doubled their cheating.
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我們實驗物件的作弊情況提高了兩倍
10:16
I'll tell you what I think
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稍後我會告訴你
10:18
about this and the stock market in a minute.
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這些例子和股市有什麼關聯
10:21
But this did not solve the big problem I had with Enron yet,
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但這仍然無法解決我對安隆公司的疑問
10:25
because in Enron, there's also a social element.
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因為在安隆,還有一個社會性的元素
10:28
People see each other behaving.
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人們眼見其他人的作為
10:29
In fact, every day when we open the news
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事實上,每天我們看新聞
10:31
we see examples of people cheating.
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都能看到人們作弊欺騙的例子
10:33
What does this cause us?
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這怎麼影響我們?
10:36
So, we did another experiment.
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所以,我們又做了另一個實驗
10:37
We got a big group of students to be in the experiment,
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我們召來一大群學生來參加實驗
10:40
and we prepaid them.
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我們先付他們錢
10:41
So everybody got an envelope with all the money for the experiment,
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所以每個人都先拿到裝著實驗回饋的信封
10:44
and we told them that at the end, we asked them
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在結束時,我們請他們
10:46
to pay us back the money they didn't make. OK?
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把沒有賺到的錢還給我們
10:50
The same thing happens.
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同樣的事情發生了
10:51
When we give people the opportunity to cheat, they cheat.
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當我們給人們作弊的機會,他們作弊了
10:53
They cheat just by a little bit, all the same.
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他們只作了一點小弊,但都一樣
10:56
But in this experiment we also hired an acting student.
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但這次我們請來一位學生演員
10:59
This acting student stood up after 30 seconds, and said,
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這個學生演員在三十秒後站起來,說
11:03
"I solved everything. What do I do now?"
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“我解開所有題目了,現在呢?”
11:06
And the experimenter said, "If you've finished everything, go home.
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實驗者則回答”如果你做完所有題目了,就回去吧。“
11:10
That's it. The task is finished."
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就這樣。任務結束了。
11:11
So, now we had a student -- an acting student --
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所以現在我們有了一個學生 - 一個演員
11:15
that was a part of the group.
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在這組人中
11:17
Nobody knew it was an actor.
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沒有人知道他是個演員
11:19
And they clearly cheated in a very, very serious way.
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只知道他明目張膽的作弊
11:23
What would happen to the other people in the group?
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這會對在場的其他人有什麼影響?
11:26
Will they cheat more, or will they cheat less?
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他們會作更多的弊,或是相反?
11:29
Here is what happens.
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事情是這樣發生的。
11:31
It turns out it depends on what kind of sweatshirt they're wearing.
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結果是,那取決於他們身上穿的衣服
11:35
Here is the thing.
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因為
11:37
We ran this at Carnegie Mellon and Pittsburgh.
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我們在卡內基梅隆和匹茲堡大學進行這次實驗
11:40
And at Pittsburgh there are two big universities,
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在匹茲堡有兩家主要的大學
11:42
Carnegie Mellon and University of Pittsburgh.
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卡內基梅隆和匹茲堡大學
11:45
All of the subjects sitting in the experiment
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而我們的實驗物件
11:47
were Carnegie Mellon students.
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都是卡內基梅隆大學的學生
11:49
When the actor who was getting up was a Carnegie Mellon student --
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當站起來的演員穿著卡內基梅隆的衣服
11:53
he was actually a Carnegie Mellon student --
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他其實也是個卡內基梅隆的學生
11:55
but he was a part of their group, cheating went up.
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也就是說他是團隊中的一員,作弊的情況增加了
11:59
But when he actually had a University of Pittsburgh sweatshirt,
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但當他穿著一件匹茲堡大學的外衣時
12:03
cheating went down.
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作弊的情況便減少了
12:05
(Laughter)
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(笑聲)
12:08
Now, this is important, because remember,
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這是很重要的一點,因為記住
12:11
when the moment the student stood up,
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在這個學生站起來的那一刻
12:13
it made it clear to everybody that they could get away with cheating,
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他對在場所有人證明作弊是可行的
12:16
because the experimenter said,
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因為實驗者說
12:18
"You've finished everything. Go home," and they went with the money.
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”你做完所有題目了,回去吧。“他們就帶著錢回去了
12:20
So it wasn't so much about the probability of being caught again.
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所以這和被抓到的幾率無關
12:23
It was about the norms for cheating.
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而是一種作弊的典範
12:26
If somebody from our in-group cheats and we see them cheating,
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如果在我們的團隊中有人作弊,我們也看到他們作弊
12:29
we feel it's more appropriate, as a group, to behave this way.
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我們便覺得那是適當的,身為一個團隊,有這一樣的態度
12:33
But if it's somebody from another group, these terrible people --
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但如果是個外人,那些糟糕的人
12:35
I mean, not terrible in this --
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不是說他們做題做的不好
12:37
but somebody we don't want to associate ourselves with,
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而是那些我們不想被當成一丘之貉的人
12:39
from another university, another group,
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那些其他學校的,其他團體的
12:41
all of a sudden people's awareness of honesty goes up --
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突然人們的誠實和警覺性都提高了
12:44
a little bit like The Ten Commandments experiment --
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有點類似之前的聖經十誡實驗
12:46
and people cheat even less.
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作弊的情況更加降低了。
12:50
So, what have we learned from this about cheating?
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所以,我們究竟從這些實驗中學到了什麼?
12:54
We've learned that a lot of people can cheat.
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我們知道許多人都會作弊
12:57
They cheat just by a little bit.
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他們作一點點小弊
13:00
When we remind people about their morality, they cheat less.
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當我們喚起人們的道德感,作弊的情況減少
13:04
When we get bigger distance from cheating,
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當我們提高和作弊之中的距離
13:07
from the object of money, for example, people cheat more.
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像是現金,作弊的情況便提高
13:11
And when we see cheating around us,
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當我們看到身邊的人作弊
13:13
particularly if it's a part of our in-group, cheating goes up.
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尤其是我們的同儕,作弊的情況便提高
13:17
Now, if we think about this in terms of the stock market,
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當我們想到股市的時候
13:20
think about what happens.
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想到現在發生的事情
13:21
What happens in a situation when you create something
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當你創造了這個環境
13:24
where you pay people a lot of money
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你付他們很多的錢
13:26
to see reality in a slightly distorted way?
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扭曲了他們對現實的看法?
13:29
Would they not be able to see it this way?
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他們能不這麼看嗎?
13:32
Of course they would.
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當然他們會這樣做。
13:33
What happens when you do other things,
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當你又做了一些其他的事情
13:34
like you remove things from money?
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像是用一些東西代替現金?
13:36
You call them stock, or stock options, derivatives,
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你叫他們股票,或是選擇權,衍生商品
13:39
mortgage-backed securities.
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按揭證券
13:40
Could it be that with those more distant things,
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有沒有可能因為這些東西聽來遙遠
13:43
it's not a token for one second,
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它不只是一個幾秒外的代幣
13:45
it's something that is many steps removed from money
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而是離現金有一段距離的象徵物
13:47
for a much longer time -- could it be that people will cheat even more?
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冠以更長的時間 - 人們是否會更容易作弊?
13:51
And what happens to the social environment
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在今日的社會環境中,人們看到他人的行為時
13:53
when people see other people behave around them?
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又會有什麼影響和反應?
13:56
I think all of those forces worked in a very bad way
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這全都是一些很不好的因素和影響
14:00
in the stock market.
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在今日的股市中
14:02
More generally, I want to tell you something
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我想泛泛地談一些
14:05
about behavioral economics.
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有關行為經濟學的事
14:08
We have many intuitions in our life,
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在人生中我們有許多直覺
14:12
and the point is that many of these intuitions are wrong.
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卻有許多是錯誤的
14:15
The question is, are we going to test those intuitions?
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問題是,我們該去檢視這些直覺嗎?
14:18
We can think about how we're going to test this intuition
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我們可以思考我們該如何去檢視這些直覺
14:20
in our private life, in our business life,
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從我們的私生活,我們的公事
14:22
and most particularly when it goes to policy,
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特別是制定政策的時候
14:25
when we think about things like No Child Left Behind,
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當我們想到一些像“一個都不能少”這種教育政策
14:28
when you create new stock markets, when you create other policies --
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當你開發一些新的股票市場,當你制定一些新的政策
14:31
taxation, health care and so on.
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稅法,健康保險等
14:34
And the difficulty of testing our intuition
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檢測直覺是非常困難的
14:36
was the big lesson I learned
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這是在我回去和這些護士談話時
14:38
when I went back to the nurses to talk to them.
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學到的一個教訓。
14:40
So I went back to talk to them
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我回到當初的醫院
14:42
and tell them what I found out about removing bandages.
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告訴他們對於撕開繃帶方法的新發現
14:45
And I learned two interesting things.
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我學到兩件有趣的事
14:47
One was that my favorite nurse, Ettie,
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一是我最喜歡的護士,Ettie
14:49
told me that I did not take her pain into consideration.
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告訴我我並沒有考慮到她的痛苦
14:53
She said, "Of course, you know, it was very painful for you.
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她說“當然,那對你來說很痛苦
14:55
But think about me as a nurse,
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但想想身為護士的我
14:57
taking, removing the bandages of somebody I liked,
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要從一個我喜歡的人身上撕開這些繃帶
14:59
and had to do it repeatedly over a long period of time.
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並且要長期不斷地重複這個動作
15:02
Creating so much torture was not something that was good for me, too."
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我也不想為自己帶來這麼大的折磨,那也並不好受。”
15:05
And she said maybe part of the reason was it was difficult for her.
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她說,或許對她來說如此困難是因為
15:10
But it was actually more interesting than that, because she said,
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這實在非常有趣,因為她說
15:13
"I did not think that your intuition was right.
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“我不覺得你的直覺是對的
15:18
I felt my intuition was correct."
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我覺得我的直覺才是對的。”
15:19
So, if you think about all of your intuitions,
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所以,當想到我們的那些直覺時
15:21
it's very hard to believe that your intuition is wrong.
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要相信自己的直覺是錯誤的是非常困難的。
15:25
And she said, "Given the fact that I thought my intuition was right ..." --
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她說,正因為我認為我的直覺是對的
15:28
she thought her intuition was right --
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她也認為她的直覺是正確的
15:30
it was very difficult for her to accept doing a difficult experiment
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她很難接受這樣去做一個艱難的實驗
15:35
to try and check whether she was wrong.
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來證明她是對或錯。
15:37
But in fact, this is the situation we're all in all the time.
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但事實上,這正是我們每日面對的狀況
15:41
We have very strong intuitions about all kinds of things --
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對許多事我們都有很強的直覺
15:44
our own ability, how the economy works,
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我們自己的能力,經濟運作的方式
15:47
how we should pay school teachers.
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我們應該付給學校老師多少薪水
15:49
But unless we start testing those intuitions,
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但在我們真正開始去檢測這些直覺前
15:52
we're not going to do better.
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我們都不會有什麼進步
15:54
And just think about how better my life would have been
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只要想想如果那些護士能檢測自己的直覺
15:56
if these nurses would have been willing to check their intuition,
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我的人生會有多大的改善
15:58
and how everything would have been better
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每件事又會有多大的改善
15:59
if we just start doing more systematic experimentation of our intuitions.
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如果我們能開始有系統性地測驗我們的直覺
16:04
Thank you very much.
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非常謝謝各位。
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