大脑皮层负责学环境规律，皮层下系统专注奖赏学习。

It has been proposed that the brain integrates flexible, computationally expensive cortical processing with simpler, lower-cost subcortical mechanisms to achieve resource-efficient performance greater than that of either system alone. Despite the allure of this perspective, satisfying theoretical frameworks that explore this hypothesis are still limited. We extend existing frameworks in which a model-based module and model-free module learn in tandem by explicitly constraining the memory resources of the model-based module, and investigate the impact of this constraint in a simple decision-making setting. Memory constraints naturally give rise to strategies for allocating memory resources. We evaluate the performance of different strategies in different situations and demonstrate that when the rewarded states change often, it can be advantageous for the model-based module to focus its memory resources not on exploiting the current reward, but on capturing general structure of the environment. This work provides a theoretical foundation for a functional dissociation between cortical and subcortical systems during learning: the cortex supports general structure learning, while subcortical circuits specialize in reward-based learning. We further detail how these hypotheses can be tested on experimental data.