counterarguments: * free financing is only offered when the real interest rate is pretty close to 0 anyway * cognitive overhead of staying on top of payments costs more than the interest * miss payment -> penalties - classic case of "picking up pennies ahead of a steamroller"https://twitter.com/sonyasupposedly/status/1168620369638375424 …
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2/ And a final argument against it: we are what we train ourselves to be There is a case to never borrow money to reenforce the strength of the Chesteron Fence / Schelling point. Create the image of being debt free as an investment for later!
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3/ I disagree, surprisingly! well, not absolutely, but generally. That's retarded, Morlock, how can you disagree that "individual circumstances trump general advice?"https://twitter.com/sonyasupposedly/status/1168622994463195136 …
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🎀 sonya supposedly 🤖 @sonyasupposedlyrule of thumb: heuristics should be discarded when modeling the specifics of your situation has better predictive power (almost always) heuristics are properly used as a guide for intuition, sort of a path-finding sense that indicates where to start hacking vines w/ your machete https://twitter.com/sonyasupposedly/status/1168622142650322944 …Show this thread1 reply 0 retweets 5 likesShow this thread -
4/ Well, OK, I don't absolutely disagree. I mean, I'm going to retain the right to make my own decisions overriding heuristics, at least much of the time BUT reason why is that we all have cognitive biases and are prone to exaggerate to ourselves how much we depart from norms
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5/ Every single heroin addict saw a general rule that said "heroin is bad, you'll get addicted" and thought "yeah, but that's the GENERAL case, man - I'm not like that". So when you're tempted to override general advice with your specific circumstances, realize that you're >>
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6/ already biasing every piece of data that you have hard to one direction. ...so I suppose my fully nuanced position is that you have to ride herd on yourself, expect irrational exuberance, and correct for it.
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7/ Sonya, your brain lied to about the fact that brains lying to you is obvious! (Brains are the sneakiest mofos ever)https://twitter.com/sonyasupposedly/status/1168624740468060160 …
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🎀 sonya supposedly 🤖 @sonyasupposedlyReplying to @MorlockPhmm, I think you're articulating a part of this that I thought was implicitly obvious, which is "don't assume that your brain won't lie to you" now that I type that out, it wasn't implicitly obvious, that's just a background assumption of mine1 reply 1 retweet 9 likesShow this thread -
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8/ My socialcon position is "people are bad at handling all sorts of things, and lucky us, we have ~6,000 yrs of evolved cultural norms based on thousands of scenarios and billions of lives, and to discard this for the computations of a lone 20yo is bad"https://twitter.com/sonyasupposedly/status/1168624967585386496 …
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Replying to @MorlockP
I think people kicking over Chesterton's Fence is just a natural thing that's gonna happen, like people beating each other up. The pace of fence-kicking seems to have accelerated since [insert famous Kaczynski line here] lol
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concur! ...and people trying to kick over the fence-kickers is also a thing! I'm part of a proud tradition.
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Replying to @JRstract @sonyasupposedly
Progs are often over confident re what danger X a norm Y protects against. "We have birth control now, so the old idea that casual sex is wrong is now obsolete!" Hello AIDS, broken families, abused children...
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End of conversation
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Replying to @MorlockP @sonyasupposedly
Old fences have newer folk who come around and kick 'em; and others kick the fence-kickers, and so on ad infinitum.
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