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e.g. in areas with rapidly rising housing prices like beijing, shanghai, hong kong, bay area, etc... the rate of real estate appreciation is faster than wage growth there's no point saving b/c there's no way to catch up even if you save *all* your money
people who consume mindlessly often have already made this calculation and realized that they have no future. they may as well enjoy life as it is now (and boost gdp numbers while they're at it)
if you make someone believe that they have no future, they are more willing to sell that future to you at a discount
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