[Swizec]

> People should just reward better service instead of picking the seemingly cheapest option

This is easy for us hackernews types with disposable income to say and very hard for the average person to implement. 57% of Americans can’t afford an unexpected $500 expense [1]

Always keep in mind the boots theory of economic unfairness:

> A really good pair of leather boots cost fifty dollars. But an affordable pair of boots, which were sort of OK for a season or two and then leaked like hell when the cardboard gave out, cost about ten dollars. ... But the thing was that good boots lasted for years and years. A man who could afford fifty dollars had a pair of boots that'd still be keeping his feet dry in ten years' time, while a poor man who could only afford cheap boots would have spent a hundred dollars on boots in the same time and would still have wet feet

[1] https://www.cbsnews.com/news/most-americans-cant-afford-a-50...

[2] https://en.wikipedia.org/wiki/Boots_theory

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True but that lies in the nature of choices people make. Apart from mortgage (or in general credit on appreciable assets) I would not recommend the on-credit lifestyle that is ad-suggested as the American Dream™ (that's different for businesses, I'm not against credits in general). As an individual carry insurance, pay the year ahead. Yes it hurts, but not as much as that unexpected 500$ expense... The boot theory works pretty well with credit though ;)