If there is such a thing in reality, how many people can resist the temptation?

Statistics show that the number of post-9s generation in China is 175 million, of which 13.4% are post-9s generation without debt, and 86.6% have used credit products. The bundling of young people and consumer loans has become a common social phenomenon. Unlike going to the bank to open a traditional credit card, everything has become convenient and fast in the Internet age. There is no longer any threshold for young people to open consumer credit products such as "Hua Bai", "Borrowing Bai" and "JD.COM White Strip". When the credit boundary is extended to you, this convenience is quick. For young people with poor self-control and lack of resistance to temptation, especially for college students who are inexperienced, it is completely because Alibaba called "open sesame" and entered the cave of wealth, where money is everywhere and money is flowing like water. As a result, young people generally spend more than they can afford, but in the end they are caught in a dilemma because they can't repay debts beyond their ability. This is already the case. The younger the group, the more addicted it is to borrowing and spending.

if you ask young people, why are you so addicted to spending money? Don't you know that pies don't fall in the sky? People born after 199 may say that the world is so colorful and all kinds of novel and unique products all want to experience; In addition, I want to be more fashionable than others, so I spent a little more. I need to fully satisfy vanity and greed. There is nothing wrong with this idea. It is convenient to open, cool to use, and has a good sense of experience. What's more, the world of young people will have no limit and no lower limit to fight. However, at the end of the month, there was a "ding": your bills for "Flower Bai", "JD.COM Bai" and "Borrowing Bai" arrived. When you look around, you spend nearly 1, yuan ... This time, your heart began to accelerate: you have paid the rent, so how can you pay the rest? In fact, the post-9s generation should ask themselves: What have I done and spent so much? In reality, no one will admit that he is a fetishist (too low), but the act of spending money like water is really undeniable by the bill. When you owe more than 1, yuan a month, the best thing to do is not to gnash your teeth and blush and delete a lot of loan apps or even scold yourself, but to turn off the inner wall of the dark room and reflect on one thing: How am I addicted?

why are you addicted to spending money? Man is an animal, and animal instinct is to eat, drink and be merry, without brains and thinking about other things. Different people need to be conscious and decisive. Most people's decisions and consciousness are unconsciously dissolved by the environment, and it is still not clear. For example, men don't realize that urine always splashes to the outer edge of urinal. After thinking about it, the school printed an elephant or an autobot directly in the urinal, and then the phenomenon of urine splashing was reduced-because people would aim at the elephant or the autobot. In the student canteen, French fries and fried food are placed on the top food shelf, which is not enough for you to hold or even see; Healthy foods such as fruits, vegetables and organic foods are usually placed in the most accessible places, so that students will naturally get them and eat more healthy foods.

These practices are very simple. They don't force people, and they don't preach what they have to do, but they have an effect. The operation lies in making full use of people's psychological weaknesses or characteristics and changing the environment to guide people to do things in the direction they want. Therefore, you are not necessarily born to spend money, but you are born at the right time, and you have more opportunities to get in touch with financial products, and it happens that these financial products are so simple and quick to use. Besides, you're young, and you can't bear not to use it. Individuals and environmental cognitive abilities all know that when recruiting product managers, majors in psychology and sociology will be given priority. Why? Psychological research restores the source of human behavior and trajectory dynamics, and then designs products according to your moving line. Every product you buy will almost certainly have a pain point, which is put in place and expressed by the product designer. It's not what you chose, but that they designed this thing according to your personal characteristics. You're addicted, and you can't help it, because that's who you are.

in this way, consumers will be thoroughly eaten by the product side. Just like consumer loans, it is the same reason that you are obsessed with vanity, like to compare with others, like to follow the trend, spend money informally, and are curious about the world and like to experience these adolescent psychological characteristics. You are dragged by your own desires before you get married with the consumer loans that are obedient to you in disguise. If you turn your back on me in the future and ask you to pay back the money, you deserve it. In addition, as a social animal, people are integrated with the surrounding environment. Young people, in particular, not only have transcendental psychology, but also want to have a sense of security and unity in the crowd. Everyone else is using it and I'm useless, so I feel sand sculpture or outdated. For young people who have no discernment, it is so important to fit in, so use it decisively!

However, it is this "gregarious" thinking+excessiveness that makes consumer loans mainly spread among the post-9s generation, but not among adults over 3 years old. Therefore, the post-9 s groups are generally deeply involved in consumer loans, which seems to be a group or individual problem, but it is actually a problem of the whole social environment. A psychological experiment was conducted in a cinema on the outskirts of Chicago. The experimenter just wants to verify one question: under what circumstances, people will eat the most popcorn? Experiments show that people who come to the movies generally show a feature: the audience who took a large bucket of popcorn before entering the venue ate 53% more than the audience who took a medium bucket of popcorn. It is equivalent to the audience holding a big bucket, and they caught almost 21 from the bucket. In other words, eating more and eating less is only related to one thing from beginning to end, and that is the size of the popcorn bucket. Since then, the experimenters have also changed various cinemas and crowds, but no matter whether they choose cinemas in Pennsylvania, Illinois or Iowa, or old, middle-aged and young people, no matter what kind of movies are shown, all experiments have the same result: the larger the food container, the greater the audience's food intake.

seeing this, you should know how small factors in the environment affect people's behavior decisions, right? When all kinds of credit products appear around you, when everyone in your social circle is using them, environmental factors have begun to affect your decision-making and judgment. There is no doubt that you will take the time to pay attention to them, whether you really need them or not; At the same time, there is no doubt that you will use it, because after all, the product has been designed very conveniently. Science and technology are good and self-restraint. Human weakness+environmental factors = addiction+sinking. On the whole, it's really not a single person's fault. The development of financial products is a good thing, but if the designer's motives are impure and the users are unrestrained, the two will fan the flames and eventually burn out. Of course, it is the people who play with fire, and then the social body will be damaged. "Science and technology are good" is a slogan that enterprises who are wary of "the harm of science and technology" will think of and use. Because rational people all know that if the product designer's initial motivation is not pure, technology will bring people not only convenience and efficiency, but also disaster and loss.