it is the result of increased costs for the cornerstones of modern life.
why ? how come ?
Incentives Are the Cornerstone of Modern Life
An incentive is simply a means of urging people to do more of a good thing and less of a bad thing. From childhood, we all learn to respond to incentives, positive or negative. If you get good grades in school, you get a new bike. If you break curfew, you’re grounded. If you do well on your SATs, you get to go to a good college. If you flunk out of college, you have to take a miserable job. If you do well at your work, you get promoted.
Economics, at its root, is the study of incentives " how people get what they want, or need, especially when other people want or need the same thing.
There are three basic flavors of incentives " moral, social and economic. Very often, an incentive scheme will have all three varieties. For example, the anti-smoking campaign imposed a $3-sin tax as an economic incentive against buying cigarettes. In addition, smoking was banned in restaurants and other public places; this was a social incentive. At the same time, government asserted that terrorists raised money by selling black-market cigarettes, which was a moral incentive against smoking.