First Author:   Marc Sangnier Aix-Marseille Univ. (Aix-Marseille School of Economics), CNRS, EHESS and Centrale Marseille marc.sangnier@univ-amu.fr         Second Author: Morgan Raux Aix-Marseille Univ. (Aix-Marseille School of Economics), CNRS, EHESS and Centrale Marseille morgan.raux@univ-amu.fr         Third Author: Tanguy van Ypersele Aix-Marseille Univ. (Aix-Marseille School of Economics), CNRS, EHESS and Centrale Marseille tanguy.vy@univ-amu.fr