Main thrust of the thread aside, disassociating virtue from the cheapest thing bothers me. It is a virtue to prioritize having your own house in order. Too many buy free-range eggs and then claim they can't make ends meet. Kindness at the expense of others.https://twitter.com/vgr/status/1327662938979647494 …
When all externalities are priced, the virtuous option will also be the cheapest option
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This doesn't make paying the current premium virtuous if one later has to ask for financial help.
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I think that is very situation dependent, and if help is indeed asked for later, that is a separate event whose virtue has to be judged separately. It's a very generic observation, not a critique. Any choice you make now might cause future choices with different virtue calculus.
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