"We wanted to incentivize citizens to take risks"
If that's where it all started, my question is, whose idea was that?
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"We wanted to incentivize citizens to take risks"
If that's where it all started, my question is, whose idea was that?
Hardly seems relevant. Doesn't matter who's idea it was, it became consensus and it all happened before anyone was even born. And to assume that things would have turned out better if it hadn't gone down like this... is just blind speculation.