Research has shown that the Indonesian Family Hope CCT Program aimed at improving children's health and education of … of their extra cash on frivolous goods, rather than health and education as intended. Our results show that the program … leads recipients to mildly decrease their levels of frivolous consumption and increase their share of spending on education …

— our reasons for purchasing a home or higher education at all. This is consumer law's duality: consumers have great …” and “higher education as equal opportunity.” This Article describes how the administration of these expectations — in … higher education, home-ownership, and retirement savings — limits the efficacy of consumer protection law's already …