alt Hacker NewsA lot of it does come down to a cost / benefit analysis where time preference is extremely overweighted due to an abundance of seemingly free credit and, shall we say, a tragic dustbowl famine of available cognitive resources.
A lot of it does come down to a cost / benefit analysis where time preference is extremely overweighted due to an abundance of seemingly free credit and, shall we say, a tragic dustbowl famine of available cognitive resources.
It’s a culture of learned helplessness, which you demonstrate.