[고1] 2025년 6월 모의고사 41~42번 - 지문 구성, 그림 설명, 원문 비교

[고1] 2025년 06월 – 41~42번: 신용카드 사용이 지출에 대한 심리적 부담을 줄여 소비를 늘리는 현상

 

Paying with plastic fundamentally changes the way we spend money, altering the calculus of our financial decisions. When you buy something with cash, the purchase involves an actual loss ─ your wallet is literally lighter. Credit cards, however, make the purchase abstract, so that you don't really feel the downside of spending money. Brain-imaging experiments suggest that paying with credit cards actually reduces activity in the insula, a brain region associated with negative feelings. As George Loewenstein, a neuroeconomist at Carnegie Mellon, says, "The nature of credit cards ensures that your brain is anesthetized against the pain of payment." Spending money doesn't feel bad, so you spend more money. Consider this experiment: Drazen Prelec and Duncan Simester, two business professors at MIT, organized a real-life, sealed-bid auction for tickets to a Boston Celtics game. Half the participants in the auction were informed that they had to pay with cash; the other half were told they had to pay with credit cards. Prelec and Simester then averaged the bids for the two different groups. It turns out that the average credit card bid was twice as high as the average cash bid. When people used their credit cards, their bids were much more careless. They no longer felt the need to limit their expenses.

 

 

구분	내용	원문
주장	신용카드를 쓰면 현금과 달리 지출의 고통이 느껴지지 않아 소비방식이 달라진다	Paying with plastic fundamentally changes the way we spend money, altering the calculus of our financial decisions. When you buy something with cash, the purchase involves an actual loss ─ your wallet is literally lighter. Credit cards, however, make the purchase abstract, so that you don't really feel the downside of spending money.
근거	뇌 연구는 카드 결제가 부정적 감정을 담당하는 뇌 활동을 줄여 지불 고통을 마비시킨다고 밝힌다	Brainimaging experiments suggest that paying with credit cards actually reduces activity in the insula, a brain region associated with negative feelings. As George Loewenstein, a neuroeconomist at Carnegie Mellon, says, "The nature of credit cards ensures that your brain is anesthetized against the pain of payment."
결과	지출이 아프지 않으니 사람은 더 많이 쓰게 된다	Spending money doesn't feel bad, so you spend more money.
예시	MIT 실험에서 현금·카드로 지불하도록 조건을 나눠 경매를 진행했다	Consider this experiment: Drazen Prelec and Duncan Simester, two business professors at MIT, organized a real-life, sealed-bid auction for tickets to a Boston Celtics game. Half the participants in the auction were informed that they had to pay with cash; the other half were told they had to pay with credit cards. Prelec and Simester then averaged the bids for the two different groups.
증거	실험 결과에 따르면, 카드 그룹의 평균 입찰가는 현금의 두 배로, 카드는 지출 제한을 약화시킨다	It turns out that the average credit card bid was twice as high as the average cash bid. When people used their credit cards, their bids were much more careless. They no longer felt the need to limit their expenses.

 

 

번호	문제 지문	원문 지문
1		Herman’s observations capture an important reality about credit cards.
2	Paying with plastic fundamentally changes the way we spend money, altering the calculus of our financial decisions.	Paying with plastic fundamentally changes the way we spend money, altering the calculus of our financial decisions.
3	When you buy something with cash, the purchase involves an actual loss ─ your wallet is literally lighter.	When you buy something with cash, the purchase involves an actual loss—your wallet is literally lighter.
4	Credit cards, however, make the purchase abstract, so that you don't really feel the downside of spending money.	Credit cards, however, make the transaction abstract, so that you don’t really feel the downside of spending money.
5	Brain-imaging experiments suggest that paying with credit cards actually reduces activity in the insula, a brain region associated with negative feelings.	Brain-imaging experiments suggest that paying with credit cards actually reduces activity in the insula, a brain region associated with negative feelings.
6	As George Loewenstein, a neuroeconomist at Carnegie Mellon, says, "The nature of credit cards ensures that your brain is anesthetized against the pain of payment."	As George Loewenstein, a neuroeconomist at Carnegie Mellon, says, “The nature of credit cards ensures that your brain is anesthetized against the pain of payment.”
7	Spending money doesn't feel bad, so you spend more money.	Spending money doesn’t feel bad, so you spend more money.
8	Consider this experiment: Drazen Prelec and Duncan Simester, two business professors at MIT, organized a real-life, sealed-bid auction for tickets to a Boston Celtics game.	Consider this experiment: Drazen Prelec and Duncan Simester, two business professors at MIT, organized a real-life, sealed-bid auction for tickets to a Boston Celtics game.
9	Half the participants in the auction were informed that they had to pay with cash; the other half were told they had to pay with credit cards.	Half the participants in the auction were informed that they had to pay with cash; the other half were told they had to pay with credit cards.
10	Prelec and Simester then averaged the bids for the two different groups. It turns out that the average credit card bid was twice as high as the average cash bid.	Prelec and Simester then averaged the bids for the two different groups. Lo and behold, the average credit card bid was twice as high as the average cash bid.
11	When people used their credit cards, their bids were much more careless.	When people used their Visas and MasterCards, their bids were much more reckless.
12	They no longer felt the need to limit their expenses.	They no longer felt the need to contain their expenses, and so they spent way beyond their means.

 

* 원문 참고 어휘

 

• observation 관찰
• capture 포착하다, 담아내다
• transaction 거래 (= purchase)
• Lo and behold 하 이것 봐라(놀랍거나 짜증스러운 것에 사람들의 관심을 끌 때 내는 소리) (= it turns out that)
• Visas and MasterCards 비자·마스터카드 (= credit cards)
• reckless 무모한, 신중하지 않은 (= careless)
• contain 억제하다, 통제하다 (= limit)
• way beyond their means 자신의 분수(능력) 이상으로

 

 

관련 자료 바로가기

[고1] 2025년 6월 모의고사 - 한줄해석

[고1] 2025년 6월 모의고사 - 한줄해석 (좌지문 우해석)

[고1~고3] 2025년 6월 모의고사 - 지문 정리 (문제 제작용 hwp 한글 파일)

[고1] 2025년 6월 모의고사 - 지문 요약 by ChatGPT-4.1-mini

[고1] 2025년 6월 모의고사 - 지문별 핵심 한글 정리 by ChatGPT-4.1-mini