A few weeks ago, I stopped making the kids’ lunches. I make the sandwiches and make sure they have milk, but I have them assemble it and choose their side dishes. It’s been interesting. Before, they were very picky about what went I’m their lunches, and tended to want different things; now, they put in simple things, and not very much if it, either. They’ll grab an apple, or a handful of banana chips, rather than insist on having their persimmon cut in a specific way.

It’s an illustration of the moral hazard problem. When the costs to them were slight, they were eager for complexity; when they bear the cost, suddenly an apple is fine.