abstract: Resource transfers can confer many adaptive benefits such as specialization, helping genetically related individuals, future compensation, and risk-pooling. Need-based transfers are a risk-pooling mechanism in which partners mitigate unpredictable losses by transferring resources based on need. Need-based transfers are likely to be most useful for resources that are necessary and unpredictable because being unable to reliably obtain essential resources would be devastating. However, need-based transfers make people vulnerable to two types of exploitation: a person can be greedy by asking when not in need and a person with a surplus of resources can be stingy by not giving to someone in need. Previous research suggests that people might have cognitive mechanisms for detecting greediness and stinginess, which would serve to protect against exploitation by cheaters. This study investigated whether resources that are necessary and unpredictable are most likely to trigger greediness and stinginess detection mechanisms. Participants saw four types of rules. One rule could be violated through greedy behavior, another through stingy behavior, another by not paying a debt, and another was a descriptive rule that could be violated by not finding one type of resource near another type of resource. Then, participants saw information about events relating to one of the rules and indicated whether the rule in question could have been violated. Consistent with past research, participants were better at detecting greediness, stinginess, and debts not paid than at detecting violations of a descriptive rule. However, contrary to my predictions, the necessity and unpredictability of resources did not impact people’s ability to detect greediness and stinginess. The lack of support for my hypothesis might be because the benefits of detecting greediness and stinginess might outweigh the costs even for situations in which need-based transfer rules are unlikely to apply, because people might be able to consciously activate their greediness and stinginess mechanisms even for resources that would not naturally trigger them, or because of methodological limitations. / Dissertation/Thesis / Masters Thesis Psychology 2019