I sense that you're using "marshmallow test" as shorthand or euphemism for essentially calling people stupid, or undisciplined. Basically saying that as long as

I sense that you're using "marshmallow test" as shorthand or euphemism for essentially calling people stupid, or undisciplined. Basically saying that as long as people have some agency to avoid a consequence, experiencing that consequence is their choice and fault. Anyway these things and more are part of "the market" too. If a market framework can't find effective solutions in the presence of real people with human faults and weaknesses, then what value is it to us?