The article uses evolutionary game theory to study how people make economic decisions. Instead of assuming everyone is super smart, the researchers look at how people learn and adapt over time. They find that when people have more information, they have more power in negotiations. Also, when people learn from each other, the economy can actually work better than if everyone was perfectly rational. The researchers show that in a model of a credit market, an equilibrium is reached where the market is fully developed, even though there are other possible outcomes.