何杰：主要原因有三个，一是“大法”存在局限性，“小法”治理有限，缺乏“中法”衔接；二是所有权人和继承人缺乏有效渠道查询账户开立情况；三是金融机构缺乏主动查询账户权利人死亡信息的动力和渠道。
One of the things that we know from psychology is that there are a lot of people who get involved in betting and just bet for the pure feeling of being in a flow state. We know a great deal about this because casinos run on this. They do what they can to keep you in this flow state so that you’ll keep betting and keep losing money. Slot machines are the ideal way of looking at it.
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