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Id like to start with a simple question: Why do the poor make so many poor decisions? I know its a harsh question, but take a look at the data. The poor borrow more, save less, smoke more, exercise less, drink more and eat less healthfully. Why? Well, the standard explanation was once summed up by the British Prime Minister, Margaret Thatcher. And she called poverty a personality defect. (Laughter) A lack of character, basically. Now, Im sure not many of you would be so blunt. But the idea that theres something wrong with the poor themselves is not restricted to Mrs. Thatcher. Some of you may believe that the poor should be held responsible for their own mistakes. And others may argue that we should help them to make better decisions. But the underlying assumption is the same: theres something wrong with them. If we could just change them, if we could just teach them how to live their lives, if they would only listen. And to be honest, this was what I thought for a long time. I