Causation

Source of Principal's Power: The Ability to Exclude

The power that principals (lenders and employers) hold over agents (borrowers and employees) stems from their ability to refuse to engage in or continue a transaction. By simply refusing to deal with an agent, a principal has the power to move them from a position of inclusion (represented as a 'green box' for successful agents) to one of exclusion (a 'purple box' for would-be agents). This unilateral ability to exclude is the fundamental reason why lenders and employers have power in these relationships.

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Updated 2026-05-02

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