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Well people are going to have to start to do that or they will get left behind. You are right, most are too lazy to do it. Yet if they get taken to the cleaners a few times, they will learn.

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Some level of restriction should be adopted in some areas, as without some level of control, things might just go wild.

Some people cannot control how much money they have and will always be on a quest to acquire morr than what is necessary.

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I think personal responsibility and self education are the biggest hurdles to a truly decentralized economic system for exactly these reasons.

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