> I think this discounts the fact that people are not mindless automatons following the path of least resistance. That is nowhere implied or required by what I

> I think this discounts the fact that people are not mindless automatons following the path of least resistance. That is nowhere implied or required by what I am arguing. I am just saying changing incentives is more effective at a broad societal level than nagging people. This is plainly observable and undisputable. For example, add a mortgage interest deduction to the tax code. Doing so in no way reduces or discounts the ability of every person in that jurisdiction to make financial decisions based on a million factors that are weighted uniquely by each individual. But behavior of the market overall will inevitably change, because the incentives have changed.