Ah, yes, the dichotomy between the present self and the future self. That's an entire subject of study that's really fascinating, but really calls into question what "self" even means.

I probably don't have anything too intelligent to say about it right now. It's something that requires a lot of deep thought.

But your basic insight into that is correct, which is that if the present and future self are likely to conflict, then it's safer for the present self to be limited to short-term commitment options.