Would you rather have a fiver today or a tenner this time next year? That kind of calculation is called 'discounting', and the more you'd rather have the fiver today, the more you are discounting the future. Humans are hardwired to lean towards getting things now, unless the deal is sufficiently sweet. That preference makes sense when you evolved to not know where your next antelope was coming from. But our bias towards discounting the future is one of the reasons we haven't done ...