I wonder about this often. I contend that we are getting better at extracting money from people. Is there some sort of line we will cross at which point the majority of people are psychologically unprepared to resist spending their money in a way that causes them financial harm?

We understand that friction causes consumers to consider their purchase more carefully, so we've worked hard to lower friction, and this has a statistically noticeable increase in users who complete their purchase.

I'm genuinely curious whether we'll eventually reach some sort of threshold where the bulk of the economy is simply driven by overriding our better instincts.