Moral + economic psychology

Economic psychology

Economic outcomes are shaped by incentives and constraints — but public understanding is shaped by psychology. The gap between the two is where democracies struggle to implement “good” economic policy.

1) We’re not purely logical

Humans are far from purely logical. Influencing our thinking we have:

200+ cognitive biases
27 emotions
100s of heuristics
Bodily state: hormones, stress, fatigue
Societal and cultural influences
Endless mental models
A limited IQ
And probably other things

The issue is we don’t realise how flawed our thinking is — especially when the system is abstract (like an economy).

2) Why economics is misread

When it comes to economic psychology, many utilitarian intuitions are broadly misunderstood. One common mistake is zero-sum thinking — the feeling that there’s “finite money”, so if someone wins, you must lose.

Thought experiment
If you walk into a room with 10 strangers and you’re given £100, you’d feel happy. But if the other strangers were given £1,000 each, you’d often feel hard done by — despite your free £100.

This is why (especially in democracies) implementing strong economic policies isn’t always popular or understood. Concepts like billionaires, wealth, incentives, and long-run prosperity become a perfect media battleground — even when they’re deeply tied to everyone’s standard of living.

3) Village prosperity simulator

In the simulator below, you step through the timeline of a poor village with few rights into a modern economy. It’s deliberately simplified: the point is to show how innovation and policy swings can create wealth discrepancy, a oscilating GDP and economy, but still leave almost everyone far better off in the long run.

Step 1 / 14
Click “Next” to advance the timeline.
Blurb
Rights (/10)
0 10
Life expectancy
30 95
Cost of goods (/10)
0 10
GDP (index)
0 420
Standard of living — Village A (/10)
0 60
Standard of living — Village B (/10)
0 60
Interest rates
0% 20%
Wealth distribution (top 10% own)
0% 60%