One difficulty is that almost all of what is called behavioral science continues to trace behavior to states of mind, feelings, traits of character, human nature, and so on.
It was nearing midnight and the Prime Minister was sitting alone in his office, reading a long memo that was slipping through his brain without leaving the slightest trace of meaning behind.
The beginnings of this problem can be traced back to America, where people with a poor credit history were allowed to take out mortgages, which they were unable to repay.