We suggest that steep intertemporal discounting in individuals of low socioeconomic status (SES) may arise as a rational metacognitive adaptation to experiencing planning and control failures in long-term plans. Low SES individuals' plans fail more frequently because they operate close to budgetary boundaries, in turn because they consistently operate with limited budgets of money, status, trust, or other forms of social utility.

中文翻译：

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跨期冲动也可能源于长期计划的持续失败

我们认为，社会经济地位低（SES）个体的跨期折扣可能是对长期计划中经历规划和控制失败的理性元认知适应。低 SES 个人的计划失败更频繁，因为他们的运作接近预算边界，反过来又因为他们始终以有限的金钱、地位、信任或其他形式的社会效用预算运作。