1/ As far as I can tell, there are only four reasons a decision can be difficult to make:
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2/ 1. You don't have enough information to make a decision.
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3/ 2. You know the right decision, but you're scared of making the decision.
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4/ 3. There's no meaningful difference between the choices.
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5/ 4. The decision domain is fundamentally unpredictable
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Internal reasons: you are depressed, you are feeling too lazy to think it through, you're hoping something changes the equation

