To what implies "you have" in you have the temptation?
Commitment contracts are arrangements that help individuals resist temptation and follow their plans for the future. So here's how it works: imagine a person wants to quit smoking, which we know it's a very bad health behavior, so she knows that sooner or later, you have the temptation to smoke one extra cigarette. So she enters one of these arrangements to help her resist this temptation.
It is a way of saying "one has" using the impersonal "you".
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