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The way the poor make decisions, at some level, is not that different from our own. They are no less rational or sophisticated than anyone else, and they are well aware that mistakes for them are costlier.
Imagine you have a few million dollars. You want to spend it on the poor. How do you go about it? Billions of government dollars, and thousands of charitable organizations and NGOs, are dedicated to helping the world's poor. But much of their work is based on assumptions about the poor and the world that are untested generalizations at best, harmful misperceptions at worst.