Another insight about frauds from Lying For Money: just like frauds naturally increase in size over time (they have to to cover previous lies) the scale/audacity/evilness of the fraudulent behavior has to increase, too, for same reason.
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In game theory terms at the first step, you paid a cost of 1 to buy 2 utils...but now you're going to lose those 2 utils plus 2 more, unless you stick your toe a bit deeper in. Some similarities to the dollar auctionhttps://en.wikipedia.org/wiki/Dollar_auction …
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