““Too often, observers and commentators presume the poor are ‘stupid’, irrational or incapable of making rational decisions. Some enlightened experiments have shown that they just have fewer resources. No doubt, trust will sometimes disappoint. But it is a good principle to guide social policy. Moreover, we all need the freedom to make some poor decisions (though preferably not calamitous ones) in order to learn from them and experiment. Without the freedom to make ‘mistakes’, people cannot learn to take control of their lives successfully.””