{"id":"W6927823884","doi":"10.34989/swp-2025-6","title":"High-Cost Consumer Credit: Desperation, Temptation and Default","year":2025,"lang":"en","type":"article","venue":"Econstor (Econstor)","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"Bank of Canada","funders":"","keywords":"Temptation; Welfare; Preference; Loan; Default; Face (sociological concept); Shock (circulatory); Time preference","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001820881,0.0004459107,0.0007060617,0.0007468328,0.0007200677,0.002302737,0.0009710666,0.001853741,0.005839263],"category_scores_gemma":[0.008182471,0.0003828733,0.0007576647,0.0009280404,0.001463559,0.00146619,0.001625227,0.002415022,0.0003109524],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.002836333,"about_ca_system_score_gemma":0.001060865,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.03078118,"about_ca_topic_score_gemma":0.03944099,"domain_scores_codex":[0.999488,0.0002651858,0.00001633855,0.00005019887,0.00002931625,0.0001509115],"domain_scores_gemma":[0.9912546,0.005690789,0.001951147,0.0002233196,0.0002446742,0.0006353949],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"simulation_or_modeling","study_design_gemma":"observational","study_design_scores_codex":[0.001300898,0.002000232,0.3732919,0.0003560607,0.000683507,0.001840434,0.001060144,0.3983999,0.0008988175,0.1491012,0.03282751,0.03823932],"study_design_scores_gemma":[0.0005655985,0.0008795806,0.1160524,0.0003349236,0.0005143447,0.0005264612,0.004589766,0.7511512,0.0007209678,0.1175366,0.006989483,0.0001386465],"study_design_candidate":"observational","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9827056,0.001157144,0.004378586,0.003588292,0.00004735291,0.00004045453,0.0007737349,0.00005888873,0.007250087],"genre_scores_gemma":[0.9966615,0.0005928426,0.000455228,0.0001871865,0.00002556423,0.00002129629,0.0002713773,0.000007856345,0.001777118],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.03078118,"threshold_uncertainty_score":0.06120402,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.009834746265760612,"score_gpt":0.227698263339115,"score_spread":0.2178635170733544,"validation_status":"score_only:v0-immature-baseline","note":"Baseline scores from an immature model (maturity gate not passed). Scores rank; they never assert a category."}}