[binary132]

A lot of it does come down to a cost / benefit analysis where time preference is extremely overweighted due to an abundance of seemingly free credit and, shall we say, a tragic dustbowl famine of available cognitive resources.

[keybored]

It’s a culture of learned helplessness, which you demonstrate.

[binary132]

Excuse me? Describing people’s motives and reasoning has no bearing on my own. I’ve repaired multiple components on my own vehicle. Your mentality on the other hand is entirely typical of the reason I avoided this cesspool of a website for many years.

[keybored]

Weird. Reading your comment, I had similar adjectives about HN posting.

Learned helplessness (according to Wikipedia) is about being convinced by your environment that you are incompetent. Part of the feedback loop of the culture is not just the helpless and their helplessnes but the factors that teach them that they are.