They failed to mention some other types of credit that may affect decision making in these instances: namely, credit cards. When someone spends more money to buy organic/local/fair trade/other socially responsible item, they may feel like they have less cash to flat out give to charity. The same can be true of energy expenditures: the harder you work to try to make ethical choices a part of your everyday life, the more burnt out you may feel when it comes to volunteering your time.
So readers, if you do actually exist, do you think you cash in on "moral credit?"
