The problem is that people basically dangle debt in front of us. And the cost for the poor of course is much higher than for the wealthy.

We need to believe that we're good people, and we'll do just about anything to maintain that perception.

People are irrational - and predictably so.

While we somehow understand revenge on an intuitive level between individuals, I do suspect that companies, assuming that people are rational, completely miss and underestimate the motivation people have for revenge.

Your immediate environment is comprised of coffee shops, supermarkets, websites, apps and all kinds of things - none of which have an interest in your long-term or short-term financial well-being.

Even the most analytical thinkers are predictably irrational; the really smart ones acknowledge and address their irrationalities.

When you're in pain, tomorrow doesn't exist - just the pain - and the only thing that you want in the world is for it to go away.