“…As the criticism proposed here claims: “Behavioral randomizers presume, without demonstrating, that market exchanges are the most effective form of regulation for societies in all situations of social life.” Individual behaviors are shaped and forced, even unconsciously, to conform to dominant norms, systemic effects, trends, and counter‐trends. Those behavioral analysts find “no significant changes in health, education, and women's empowerment” (Banerjee et al, 2015:22, Bauwin, 2019, Berge & Pires, 2019, Meager, 2019, Hansen, Huis, & Lensink, 2021). Solutions could be found with alternative systematic approaches where microfinance effectively encourages entrepreneurship among the poor (Atiase, Wang, & Mahmood, 2019; Attanasio et al, 2015; Field et al, 2013; Tarozzi, Desai, & Johnson, 2015).…”