If you have watched this wonderful talk by Rory Sutherland “ TED Talk : Rory Sutherland: Life lessons from an ad man ”, you must have seen this big Red button, showed while explaining that “interface” determines the behavior. Paraphrasing a bit, “if there is a large red button on a wall in your home and every time you press this button it will save you $50, then you will save a lot. Because interface fundamentally determines our behavior. Marketing has done a very very good job of creating opportunities for impulse buying but never for impulse saving”. And of course, as he admits, that is against consumerism and act against the very ambitions of companies that create these advertisements, so probably will never build such an interface. So, when a company says they built an interface that makes saving money a lot easier, you better bring your instincts and not believe it at once. When I saw the promotional advertisement “Keep the change” by Bank Of America that will make savi...