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[–] 1 pt

I didn’t believe people could be that stupid as I was writing the question. I know I should’ve known better….but…. Maybe delusional optimism is still in there somewhere, though it dies off a bit more each day.

[–] 2 pts

Many consumers are really that stupid. They live on credit. If you're paying today, what does it matter that you're still paying tomorrow? You have the newest shiny!