번호 |
문제 지문 |
원문 지문 |
1 |
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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. |