De como la gran recesión provocó un examen de la conciencia económica. Cuando “el interés propio entra en conflicto con valores éticos que tienen gran apoyo verbal, muchas veces o, mejor dicho, la mayoría de las veces, vencerá… la teoría del egoísmo”.
Maurice E. Stucke

Tennessee / Economía – Durante treinta años, las teorías económicas de Milton Friedman y otras personas ligadas a la Universidad de Chicago han dado forma a las políticas estadounidenses. Sus teorías presumen un universo de seres racionales capaces de tomar las mejores decisiones sobre gasto y ahorro. Al perseguir el interés propio, continúa la teoría, las personas buscan maximizar su riqueza así como otros bienes materiales; por lo general no se preocupan de los objetivos sociales cuando éstos se oponen a su propio interés económico. Cuando “el interés propio entra en conflicto con valores éticos que tienen gran apoyo verbal”, dijo George Stigler, economista de la Escuela de Chicago, “muchas veces o, mejor dicho, la mayoría de las veces, vencerá… la teoría del egoísmo”.

El interés propio, según la Escuela de Chicago, orienta los mercados hacia resultados más eficientes. El gobierno no necesita intervenir en la economía, ya que los individuos racionales que persiguen su interés propio rápidamente previenen o curan la mayoría de los errores del mercado. Hasta la reciente crisis financiera, se presumía que la competencia era un proceso que se iniciaba y corregía por sí mismo y que, dejado actuar libremente, asignaba los recursos de manera eficiente hacia los usuarios que los valoran más. Las teorías económicas, escribió el Cardenal Joseph Ratzinger en “Iglesia y Economía” (<i>Communio</i>, otoño 1986), asume que “la ley natural del mercado es en esencia buena… y que necesariamente va a funcionar para mejor, cualquiera sea la verdadera moralidad de los individuos”.

Estas teorías de la Escuela de Chicago ahora están siendo atacadas. La “ortodoxa y burda teoría económica de la Escuela de Chicago ahora está con respirador artificial, si es que no ha muerto”, indicó J. Thomas Rosch de la U.S. Federal Trade Commission recientemente. “En el mundo real –contrariamente a los mundos de las teorías políticas y económicas– los mercados no son perfectos… los mercados imperfectos no siempre se corrigen a sí mismos y… los hombres de negocios no siempre se comportan de manera racional”. Motivado por la crisis financiera, la administración de Obama está re-examinando temas fundamentales tales como la eficiencia de los mercados y el papel que le cabe a las normas legales, sociales y éticas en una economía de mercado.

Esta revisión postula tres temas fundamentales. El primero: ¿las personas realmente se comportan como los egoístas maximizadores de beneficio de la Escuela de Chicago? Segundo, si la respuesta es negativa, ¿debiera el comportamiento motivado por el propio interés ser la norma deseada? Tercero ¿cuáles son los riesgos que se corren si las políticas sociales promueven el interés propio como la norma?

Al enfrentar estos tres temas, los encargados del diseño de las políticas están enfrentando la “economía conductual”, tema en el que fueron pioneros el Premio Nobel Daniel Kahneman y el sicólogo matemático y cognitivo, Amos Tversky. Una presunción básica de las teorías económicas de la Escuela de Chicago es que los hombres son seres racionales, egoístas y dotados de perfecta fuerza de voluntad. La economía conductual, al contrario, emplea los hechos y los métodos de otras ciencias sociales –como la sicología, la neurociencia y la sociología– para comprender las limitaciones de las presunciones de la Escuela de Chicago.

Al experimentar con estas presunciones, los economistas conductuales descubren que en determinados escenarios las personas no se comportan como predice la teoría económica neo-clásica. El comportamiento humano es mucho más matizado, diverso y complejo. Por ejemplo, muchas personas no están predispuestas a perseguir su propio interés; están dispuestos a sacrificar riqueza para castigar lo que consideran una conducta injusta y en general se preocupan de tratar a los demás y ser tratados de manera justa. Esto lo vemos a diario. Muchos donan sangre, dedican tiempo a ayudar a desconocidos o le dan propinas a los garzones en lugares a los cuales probablemente no regresen.

EL JUEGO DEL ULTIMÁTUM

Hay un experimento conductual común llamado el juego del ultimátum, en el cual al individuo se la da una cierta cantidad de dinero (digamos $100), con dos condiciones: Primero, el individuo debe ofrecerle a otra persona alguna parte de esos $100. En segundo lugar, la otra persona puede aceptar o rechazar la oferta. Si la otra persona acepta, los dos conservan su parte de los $100. Si la otra persona rechaza la cantidad ofrecida, ninguno de los dos conserva el dinero. La cuestión es: ¿cuánto ofrecer?

Un economista de la Escuela de Chicago predeciría que el individuo ofrecería un penique. Si las personas persiguen sólo su interés propio, entonces el individuo, egoístamente, querría quedarse con la mayor cantidad de dinero posible y la otra persona reconocería que un penique es mejor que nada. Pero experimentos actuales de este juego en más de 20 países han descubierto que la mayoría de las personas ofrecen bastante más que una cifra nominal (generalmente entre 40 y 50% del total). Por lo general, los que se les ofrece este dinero (en casi la mitad de los casos) rechazan cantidades nominales (menos de 20% del total disponible). Los resultados son similares cuando no se revelan las identidades de los participantes y el juego no se repite.

A veces, apelar a normas éticas o sociales es más efectivo que apelar al propio interés. En muchos experimentos conductuales, cuando las retribuciones o los castigos financieros desplazan las normas éticas o sociales, lo que hacen es disminuir las motivaciones humanas. Dan Ariely, profesor de economía conductual del M.I.T., en su libro <i>Predictably Irrational </i>(Previsiblemente irracional) describe experimentos en los cuales los todos participantes –divididos en tres grupos– desempeñaban la misma tarea mundana. Un grupo (el grupo de norma social) no fue compensado, pero se le solicitó realizar el trabajo como un favor. En el mismo experimento, el desempeño del grupo de norma social fue mejor que el del grupo que recibió $5 en compensación por su trabajo, el cual, a su vez, tuvo mejor desempeño que el grupo cuyos miembros recibieron 50 centavos. En el segundo experimento, los dos grupos no recibieron dinero sino que un regalo de un valor similar (una barra de chocolate ‘Snickers’ para los del grupo de 50 centavos y una baja de chocolate ‘Godiva’ para el grupo de $5). El desempeño de estos grupos fue igualmente diligente. En el tercer experimento, después que se les asignara un valor monetario a los regalos –‘una barra de chocolate Snickers de 50 centavos’ o ‘una caja de chocolates Godiva de 5 centavos’– nuevamente se esforzaron menos que el grupo de norma social.

Por supuesto que algunas personas se comportan de manera egoísta, de manera que el resultado de experimentos conductuales puede depender de otros factores, incluyendo si a los participantes se les habla de dinero. Recientes experimentos conductuales muestran que incluso los recordatorios inconscientes del tema del dinero nos pueden hacer más independientes en nuestro trabajo pero también menos propensos a buscar la ayuda de otras personas, menos dispuestos a dedicar tiempo para ayudar a otros and más avaros cuando se les pide donar para una buena causa. En consecuencia, es previsible que muchas personas no persigan su interés propio.

¿CUÁL ES EL CAMINO A LA FELICIDAD?

Dado que tanto las percepciones sociales como otros factores pueden influenciar la conducta humana, el segundo tema es si acaso ¿la conducta egoísta, tal como lo enseña la teoría económica clásica, debiera ser la norma? ¿Es buena la codicia? ¿La conducta egoísta traería una mejoría en el bienestar general? La respuesta es: no siempre. Otra rama de la investigación económica confirma la antigua sabiduría que dice que una vez cubiertas nuestras necesidades básicas, la relación entre el dinero y la felicidad es bastante débil. Cuando el producto interno bruto per cápita de un país sobrepasa un nivel moderado de ingreso, las sociedades no son más felices a medida que son más ricas.

Un experimento conductual publicado en el número del 21 de marzo del 2008 de la revista <i>Science</i> reafirmó el adagio que hay más felicidad en dar que en recibir. Los autores del estudio concluyeron que mientras gastar en sí mismo no tiene relación con la felicidad, gastar una porción mayor de nuestro ingreso en los demás (como hacer regalos o donaciones a obras de caridad) vaticinaba mayor felicidad. Cómo las personas gastaban sus aguinaldos (en sí mismos o en los otros) vaticinaba mejor su felicidad que el monto mismo del aguinaldo. En otro experimento, después que los participantes calificaban su felicidad en la mañana, se les entregaban sobres con dinero y se dividieron en dos grupos. A los miembros del primer grupo se les indicó gastarse el dinero en sí mismos hasta las 5. Al segundo grupo se le indicó regalarle el dinero a alguna otra persona o a una obra de caridad. Después de las cinco se les preguntó a los participantes sobre su felicidad. A pesar que la cantidad de dinero recibido ($5 o $20) no afectaban significativamente los niveles de felicidad de los participantes, aquellos que regalaron el dinero indicaron sentirse más felices después de recibir este dinero caído del cielo que aquellos que lo gastaron en sí mismos.

Entonces, si dar nos lleva a ser más felices, se preguntan los autores el estudio, ¿por qué no gastamos menos en nosotros mismos y damos un poquito más? Porque no somos buenos para predecir. Los autores registraron que un 63% de los estudiantes universitarios vaticinaron que gastar en sí mismos los haría más felices que el gasto altruista y que $20 los harían más felices que $5.

Esto también explica porque muchos de nosotros cuyas necesidades básicas están cubiertas, deseamos tener más dinero. Estamos inmersos en una rutina hedonista. Nos adaptamos a nuestro mejorado estándar de vida (como por ejemplo una casa más grande y un segundo auto) y queremos más. Percibimos la riqueza absoluta (por decir, tener un millón de dólares) como menos importante que la riqueza relativa (cuánto tenemos en comparación con nuestros pares, vecinos, amigos, o, como observó H.L. Mencken, el marido de la hermana de la esposa). Tal como comentó Seneca en la Roma antigua: “No importa cuánto tengas, siempre habrá alguien que tenga más, y pensarás que te faltan cosas que necesitas en la misma medida en que sientes que te estás quedando atrás por no tenerlas”. La envidia mantiene la rutina hedonista en movimiento. Cada vez que alguien tiene más, yo tengo menos. Entonces tengo que comprar más. La carrera por el status no tiene ganador final y, salvo la muerte, no hay meta final o sitios de descanso satisfactorios.

Entonces, si el interés propio no fomenta la felicidad, ¿qué lo hace? Los resultados no son sorprendentes. Como dice Richard Layard en <i>Happiness: Lessons From a New Science</i> [Felicidad: Lecciones de una ciencia nueva], a nivel individual, las fuentes primarias de felicidad son: las relaciones familiares, el empleo, la comunidad y los amigos, la salud, el auto-control o la independencia, los valores éticos y morales personales y la calidad del entorno. Las personas que miran más allá de su interés personal y profesan una religión, pertenecen a organizaciones comunitarias, hacen trabajo voluntario y tienen conexiones sociales enriquecedoras, en general son más felices y saludables que los que no los tienen. No es de sorprenderse que en un estudio reciente, los clérigos, los fisioterapeutas y los bomberos registraran los niveles más altos de satisfacción con sus trabajos.

PROMOCIONANDO EL INTERÉS PROPIO

La presunción del interés propio de la Escuela de Chicago no describe ni cómo actuamos en la realidad ni cómo debiéramos actuar. Esto lleva al tercer y último punto: ¿Cuáles son los riesgos de una política social que promueva la conducta motivada por el interés propio? Un riesgo es que una vida ética de caridad e interés por la comunidad se torna anacrónica. Las normas de religión están entre los pocos contrapesos a la persecución del interés propio que existen hoy en día. Una sociedad que pregona el que dependemos sólo de nosotros mismos puede mirar a los clérigos y los ambientalistas como excéntricos pero inofensivos, pero su actitud hacia los pobres se endurece. La sabiduría de una sociedad no radica en sus ingeniosas maneras de crear riqueza sino que en sus actitudes hacia la pobreza y la riqueza y sus acciones en relación a ambas. En la Atenas de Pericles, por ejemplo, la riqueza era más “para ser usada que mostrada”, según Tucídides, y para la antigua Atenas “el reconocer la pobreza no es vergüenza para nadie, pero disminuir la lucha contra ella, sí es más vergonzoso”.

El Papa Juan XXIII también tocó el mismo tema en 1961, en la encíclica <i>Mater et Magistra:</i> “La prosperidad económica de un pueblo consiste, más que en el número total de los bienes y riquezas disponibles, en la justa distribución de los mismos, de manera que la comunidad entera pueda desarrollarse y perfeccionarse, fin al cual se ordena por su propia naturaleza todo el sistema de la actividad económica de una comunidad” (Nº 74).

El interés propio a veces puede socavar en vez de promover una economía de mercado. Como Amartya Sen, ganador del Nobel, escribió recientemente: una economía “necesita otros valores y compromisos tales como la confianza mutua y la confianza para trabajar de manera eficiente”. Por ejemplo, supongamos que un posible empleador le ofrece un contrato que describe de manera meticulosa todas las obligaciones y las posibles sanciones para toda posible transgresión o desempeño deficiente. ¿Querría usted trabajar allí? Los experimentos conductuales demuestran que comunicar tales castigos a los empleados puede resultar contraproducente; las sanciones indican desconfianza y generan un menor grado de productividad de parte del empleado.

Políticas sociales que promueven la percepción de conductas egoístas pueden ser autodestructivas. Los individuos no son intrínsecamente egoístas. Pero si creemos que muchos otros se están comportando de manera egoísta (no pagan impuestos), entonces podemos sentirnos inclinados a comportarnos de manera egoísta también. Un estudio hecho sobre cinco mil estudiantes de carreras de negocios y otras carreras en universidades estadounidenses y canadienses descubrió que los alumnos de negocios hacen más trampas que sus pares de otras carreras no relacionadas con negocios. Los autores del estudio descubrieron que la mayor influencia en el comportamiento de los estudiantes de negocios, fue la percepción que sus pares también hacían trampa.

Finalmente, nuestra sobrevivencia depende de nuestra habilidad para mirar más allá de nuestro propio interés. Como internet y el comercio global han ensanchado las relaciones sociales y aumentado la interdependencia de los ciudadanos en todo el mundo en los últimos veinte años, esto se ha tornado muy importante. Para evolucionar, las economías deben contar con una cooperación compleja y de gran escala. Tal como ha demostrado la crisis financiera, los riesgos económicos no se circunscriben a determinadas regiones. Pero la crisis ha generado el ímpetu necesario para que los que diseñan las políticas revisen muchas presunciones que estaban subyacentes en nuestras actuales políticas económicas. Según el economista John Maynard Keynes, esta revisión nos puede permitir:

volver a algunos de los principios más seguros y ciertos principios de la religión y virtudes tradicionales: que la avaricia es un vicio, que la práctica de la usura es un delito y el amor al dinero es detestable, que aquellos que siguen verdaderamente los caminos de la virtud y la sana sabiduría son los que menos piensan en el mañana. Una vez más debemos valorar los fines por encima de los medios y preferir lo bueno sobre lo útil. Honraremos a todos aquellos que puedan enseñarnos cómo podemos aprovechar bien y virtuosamente la hora y el día, la gente encantadora que es capaz de disfrutar directamente de las cosas, las lilas del campo, que no trabajan ni hilan.
__________________
Maurice E. Stucke es profesor adjunto de la University of Tennessee College of Law y miembro del American Antitrust Institute. Con anterioridad fue fiscal de la División Antimonopolios del Departamento de Justicia de los EE.UU. Una versión más extensa de este artículo será publicada en el Vol. 50 de la Santa Clara Law Review en 2010. Publicado en revista <i>America</i>, www.americamagazine.org


 
Revista Mirada Global © Copyright 2009
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