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If you wanted to design a system to reward addictive spending, it would look like this -- random intermittent reinforcement of problematic behaviors.


Yup, it doesn't feel exactly fair too. There's a voice inside of me that says: "It takes me almost a year to save that amount of money, and these people get it for free because they couldn't resist to spend money they didn't have?". But let's just accept that the world is not fair, and it will never be.

I still feel great for the people who were in serious financial trouble and are not anymore. Let's just hope they see it as an incentive to never be in that situation again.


Came here to post this exact sentiment... I mean that one long haul trucker was so ecstatic his almost 7k debt was forgiven and said something to the effect of "I'm glad the number was up there." Really?


He's honest. If he had accumulated just 1k, then he would be annoyed that he hadn't taken on more. To him it's just free money.


Yeah when I read that, I thought, this man would have benefited from a behavioral intervention and instead what he got was an Ex Machina


It is a true black swan. I doubt it happens regularly enough to become a reinforcement mechanism.


I hope you're right


It's sad because it's true.


You think end of the year bonuses are bad too?


How's that similar?




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