Students who have been exposed to the idea that free will is a cognitive illusion are more likely to cheat. No word on whether proctors who have been exposed to this notion are less likely to turn them in. Luckily, most of us were programmed, at the moment of the big bang, to ignore people who tell us that free will is an illusion.
The US is particularly miserable at putting aside money for the future. Should we blame our paychecks or our psychology?