Preview: Sam Harris on the free will delusion

The atheist author and neuroscientist on why we're not as free as we think.

The Christmas issue of the New Statesman (you can buy a copy here), guest-edited by Richard Dawkins, includes a brilliant essay by the neuroscientist and atheist author Sam Harris on the illusion of free will. Here, for Staggers readers, is a sneak preview.

Even though we can find no room for it in the causal order, the notion of free will is still accorded a remarkable deference in the scientific and philosophical literature, even by those who believe that the mind is entirely dependent on the workings of the brain. However, the truth is that free will doesn't even correspond to any subjective fact about us, for introspection soon grows as hostile to the idea as the equations of physics have. Apparent acts of volition merely arise, spontaneously (whether caused, uncaused or probabilistically inclined, it makes no difference), and cannot be traced to a point of origin in the stream of consciousness. A moment or two of serious self-scrutiny, and you might observe that you decide the next thought you think no more than you decide the next thought I write.

All of our behaviour can be traced to biological events about which we have no conscious knowledge. In the 1980s the neurophysiologist Benjamin Libet demonstrated that activity in the brain's motor regions can be detected some 300 milliseconds before a person feels that he has decided to move. Another lab recently used functional magnetic resonance imaging data to show that some "conscious" decisions can be predicted up to ten seconds before they enter awareness (long before the preparatory motor activity detected by Libet). Clearly, findings of this kind are difficult to reconcile with the sense that one is the conscious source of one's thoughts and actions.

For better or worse, these truths about human psychology have political implications, because liberals and conservatives are not equally confused about them. Liberals usually understand that every person represents a confluence of forces that he did not will into being - and we can be lucky or very unlucky in this respect. Conservatives, however, have made a religious fetish of individualism.

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George Eaton is political editor of the New Statesman.

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I was wrong about Help to Buy - but I'm still glad it's gone

As a mortgage journalist in 2013, I was deeply sceptical of the guarantee scheme. 

If you just read the headlines about Help to Buy, you could be under the impression that Theresa May has just axed an important scheme for first-time buyers. If you're on the left, you might conclude that she is on a mission to make life worse for ordinary working people. If you just enjoy blue-on-blue action, it's a swipe at the Chancellor she sacked, George Osborne.

Except it's none of those things. Help to Buy mortgage guarantee scheme is a policy that actually worked pretty well - despite the concerns of financial journalists including me - and has served its purpose.

When Osborne first announced Help to Buy in 2013, it was controversial. Mortgage journalists, such as I was at the time, were still mopping up news from the financial crisis. We were still writing up reports about the toxic loan books that had brought the banks crashing down. The idea of the Government promising to bail out mortgage borrowers seemed the height of recklessness.

But the Government always intended Help to Buy mortgage guarantee to act as a stimulus, not a long-term solution. From the beginning, it had an end date - 31 December 2016. The idea was to encourage big banks to start lending again.

So far, the record of Help to Buy has been pretty good. A first-time buyer in 2013 with a 5 per cent deposit had 56 mortgage products to choose from - not much when you consider some of those products would have been ridiculously expensive or would come with many strings attached. By 2016, according to Moneyfacts, first-time buyers had 271 products to choose from, nearly a five-fold increase

Over the same period, financial regulators have introduced much tougher mortgage affordability rules. First-time buyers can be expected to be interrogated about their income, their little luxuries and how they would cope if interest rates rose (contrary to our expectations in 2013, the Bank of England base rate has actually fallen). 

A criticism that still rings true, however, is that the mortgage guarantee scheme only helps boost demand for properties, while doing nothing about the lack of housing supply. Unlike its sister scheme, the Help to Buy equity loan scheme, there is no incentive for property companies to build more homes. According to FullFact, there were just 112,000 homes being built in England and Wales in 2010. By 2015, that had increased, but only to a mere 149,000.

This lack of supply helps to prop up house prices - one of the factors making it so difficult to get on the housing ladder in the first place. In July, the average house price in England was £233,000. This means a first-time buyer with a 5 per cent deposit of £11,650 would still need to be earning nearly £50,000 to meet most mortgage affordability criteria. In other words, the Help to Buy mortgage guarantee is targeted squarely at the middle class.

The Government plans to maintain the Help to Buy equity loan scheme, which is restricted to new builds, and the Help to Buy ISA, which rewards savers at a time of low interest rates. As for Help to Buy mortgage guarantee, the scheme may be dead, but so long as high street banks are offering 95 per cent mortgages, its effects are still with us.