Cowen on People

I follow the Marginal Revolution blog.  Sometimes, as here in Cowen's musing on Epstein, I read things which strike me:

I am now, at the margin, more inclined to the view that what keeps many people on good behavior is simply inertia. They are oddly passive in their core inclinations, but will behave badly if given an easy opportunity. And since many of these people probably are not active independent malefactors on a regular basis, their sense of risk may not be entirely well developed. Thus they themselves may have been fairly naïve in their dealings with Epstein, not quite understanding that their invulnerability in everyday life might not carry over to all situations.

Comments:

• For "inertia" I would substitute "habits".  I'm habit-bound, and I suspect most people are (except those suffering from war, displacement, natural disasters, etc.)  
• "Will behave badly"--Cowen argues that rich men could have become Epsteins easily--they had the money--but didn't out of inertia, succumbing to temptation upon meeting Epstein.
• "sense of risk"--this might be backwards--people who are not malefactors regularly may have a more highly developed sense of risk (even an exaggerated sense of risk) than do people who engage in risky behavior regularly.