[vladms]

By influence people behavior I mean for example "make them thinking about spending more than they were spending before receiving the 2k, 6 months after they stopped receiving the aid". And I mean by this impulsive spending, not planning and the like. You will tell me "but they need that, it's not impulsive, etc.". But don't forget we started from the article that "defaults jump to...". This can be due to multiple causes: "people got actually poorer" (not related mainly to behavior, but more to economy) OR "people changed behavior and suddenly they do things they were not doing before" (possible).

To clarify my opinion (hopefully beyond doubt so that you can't imply things I do not think), I think that blaming people will not solve anything, people are not poor due to behavioral issues, people that are currently poor must just be aided (in multiple ways) to get out of the situation. But people do react differently to different ways of helping, and as we don't have infinite resources, we need to discuss how such interventions affect them on short/medium/long term.

If you prefer more to find points in which you disagree (points that were not clearly there or semantic points as "short term help") I don't think I can bring anything to the discussion. I remained without a formed opinion of why the jump in defaults appeared...