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but too often folks don't see the forest-for-the trees
Fully agree, so why have you dedicated so much effort to these two points:
"Oh but the fees are too high." "It's too complicated."
Average Joe is simply lazy AF.
because when people complain enough... they 'get what they want' Or what they think they want at least.
We should be aware of unintended consequences and move cautiously that was another point I was making
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