You frame multi-year insurance as a behavioral solution to amnesia bias, but note it could be seen as traditional economic policy.
Given this ambiguity, how do you propose policymakers decide when a policy is “behavioral” versus “economic”, and does this distinction matter in practice?
Much of the experimental evidence you cite comes from controlled settings with students or hypothetical choices.
What specific steps would you recommend to test these behavioral policies in real-world, high-stakes disaster preparedness contexts before scaling them?