Human Brain Wiring
The mind isn't wired to make smart decisions about consumer credit.
As someone who just played craps for an excess of 10 hours this weekend, I can attest to the limits of rational thinking amongst human beings. The entire premise of casinos is based on irrationality - if you play long enough - you will lose. It is that simple. Losing is an inevitability over time. Which is why I will only gamble on the cheap.
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