possess

"Sendhil Mullainathan, a Harvard economist, points out that there is often a big gap between what people say they’d like to save and what they end up saving. Saving, he argues, is often “what didn’t happen”—the accumulation of decisions not to consume. Consumption, by contrast, is an active decision to buy something. One product he is testing in India involves collaborating with banking agents to sell “savings cards” in shops, so that saving becomes an active purchase and can compete with other impulse buys. With luck these kinds of innovations can help the poor use their own savings to make life just a little more predictable," from The Economist.

Indeed, our desire to buy an object is as if we will accomplish the final objective of buying that object. i.e: when we buy books, the instant emotion is knowledge fulfillment although we haven't read that book. The act of buying reflects our instinct to possess, which is active, covering our desire to complete ourselves passively. And the innovation above tricks our psyche to actively save money. While saving in the bank feels more passive as we lost our possession to numbers in bank statement. We people like to possess.