第二，非正规经济。德索托的另一个重要贡献，是重新解释“非正规经济”。传统观点常把地下经济视为逃税、违法或缺乏公民意识的表现，但德索托指出，很多穷人并非不愿守法，而是制度成本过高。
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"He is the prime minister. He has two working parents with education and access to all the information in the world and nothing that untoward might happen to his individual children. That's not the experience of children at large."