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Collective Action and Economic Justice: A Structural Approach

Adam Smith is well known for his description of how actions taken to further one's self-interest may benefit society. However, Smith emphasized that forbearance, which is the exercise of self-restraint while pursuing personal gain, is a necessary condition for the "invisible hand" to promote the common good. Using the recent subprime mortgage crisis as a case study, I argue that because forbearance is unlikely to result from personal choice or regulatory efforts, grassroots efforts by users of financial services are needed to ensure just outcomes in real estate lending.