Many people choose worse reward rather now than better reward later. It's rational in many contexts. The problem is that we are unable to jump out of these local minima.

Just as in coding, when you have a problem and you're stuck, you look for a solution. But it's very hard to learn that there's some better solution to a problem that you've already solved.

That depends on whether said bad software solves your problem now by creating even more problems in the future. For example, through lax security.