There is a conceptual barrier to understanding the problems that officials might face in regulating crowdfunding, owing to the failure of prevailing economic models to account for the manipulative and devious aspects of human behavior. Economists typically describe people’s rational, honest side, but ignore their duplicity.
理解官员在监管众筹时可能预见的问题存在概念性障碍，因为主流经济模型没有考虑到人类行为的操纵和奸诈因素。经济学家通常描述人们理性、诚实的一面，但忽略他们的狡黠。因此，他们低估了众筹的消极风险。