Bernie Madoff Bryan Smith/ZumaPress

Le Frodi, gli Sciocchi, e i Mercati Finanziari

NEW HAVEN – Come è noto Adam Smith scrisse della “mano invisibile”, mediante la quale il perseguimento da parte degli individui del proprio interesse in un libero mercato competitivo fa avanzare l’interesse della società nel suo insieme. E Smith aveva ragione: i mercati liberi hanno generato una prosperità senza precedenti per individui e società. Ma, poiché noi possiamo essere manipolati o ingannati o anche solo passivamente tentati, il libero mercato cerca anche di convincerci a comprare cose che non vanno bene né per noi né per la società.

Questa osservazione rappresenta una precisazione importante nella visione di Smith. Un argomento che George Akerlof ed io analizziamo nel nostro nuovo libro, Phishing for Phools: The Economics of Manipulation and Deception.

La maggior parte di noi ha subito il “phishing”: e-mail e telefonate indesiderate destinate a frodarci. Un “phool” è chiunque non comprenda pienamente la capillarità del phishing. Un phool vede esempi isolati di phishing, ma disconosce il grado di professionalità dedicato ad esso, né quanto profondamente questa professionalità condiziona le vite. Purtroppo, molti di noi sono stati phool – compresi Akerlof ed io, motivo per cui abbiamo scritto questo libro.

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