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Lenders wrote off as uncollectible $11.1 billion in home equity loans and $19.9 billion in home equity lines of credit in 2009, more than they wrote off on primary mortgages, government data shows. So far this year, the trend is the same, with combined write-offs of $7.88 billion in the first quarter.

The same might be said for a government decision to raise taxes or sign a trade treaty. But reason is only contributing to the ‘how’ portion of these decisions; the more fundamental ‘why’ element, for all of these examples, is driven by instinctive self-preservation, emotional needs, and cultural attitudes.