The confirmation bias refers to the tendency to:

(A) search for information that supports our preconceptions
(B) overestimate the accuracy of our beliefs and judgments
(C) make judgments in a very inefficient, time-consuming fashion
(D) judge the likelihood of events on the basis of how easily we can remember examples of them

You don’t list any options but the one that frets overspending and the consequences of that.

Urban growth invariably feeds increased commercialization and industrialization. it requires continually expanding land areas. when urbanization rates are high, and countries do not have the institutional and managerial capacities or economic wherewithal to manage such rapid growths, they exert intense pressure on the types and nature of the resulting settlements. they contribute to the development of overcrowded slums and shanty towns without adequate essential services and necessary infrastructure.-by asit k. biswas and cecilia tortajada