[ethbr0]

The former I'd agree with, the latter I'd question.

Because "very worst" (or even just "bad") deals is a loaded term. Why? For whom? When?

As discussed in this topic, a high-interest rate loan is a bad deal, unless it's the best option you have. Would no loan be better than that loan? Maybe. Should we take away someone's ability to make that decision? I'm not convinced.

At some point, the cost of freedom is freedom to fail. So it's always a balancing act between not making that failure hurt too much or too easy to inadvertently stumble into... and giving people autonomy.

You'd think engineers would understand that you can't optimize for everything at once.