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Re:Americans are spending billions on stuff they forget to c... by toomuchtodo on Friday January 19, 2024 @03:16PM (#39060506)
We have different mental models, that's all. Is that incredible? No, we just have different life experiences that have led us to this point and how we think.
Re:Americans are spending billions on stuff they forget to c... by Alupis on Friday January 19, 2024 @03:30PM (#39060690)
Disregarding all personal responsibility is not a "different mental model", it's just being irresponsible.

Do you think so little of people that you do not believe they are capable of spending 5 minutes reviewing their bank account per month? So little that they are incapable of enabling transaction notifications on their smart phone (hell, when I first signed into my bank's app it wanted to enable them by default!).

This perspective is the one that believes things "just happen to them" and takes zero responsibility to actions or lack thereof.