* FSA plans are designed to get you to gamble on how much medical expenses you will have; if you overestimate, you either lose the money or spend it on shit you otherwise wouldn't buy; if you underestimate, you pay taxes on stuff you shouldn't be paying taxes on. The healthy alternative would be: Cut the FSA, let people just tax deduct medical expenses at tax time, even small ones.
* Extended warranty plans are baiting you to pay for something you are statistically unlikely to need. The healthy alternative would be: Just service things past warranty and charge a much more reasoanable price for it.
* Insurances but co-insurances, deductibles, clauses: "We'll bait you into paying because you think we'll pay but we'll not actually pay because it says in the fine print"
* Trip protection: Asking you to gamble on the probability of a mishap, instead of just covering mishaps out of the box
That's an interesting rabbit hole. Some FSA types, but not all, have full funds available on day 1 of the year. And no provision for clawback if you terminate your employment before the end of the year. So when you forfeit due to overestimating the total, it does not go to the IRS, but your company. But the upside is the funds being available on day 1, with you having to wait until the next tax filing rolls around.
Unless you're planning on quitting jobs mid year every year I wouldn't really call that an advantage. On all other years you either end up buying piles of shit you don't need just to not lose your FSA dollars you gambled that you would use but didn't, or end up underestimating your medical bills. It's such a broken system that one even has to make guesses like this. There is no need to make people guess.
> funds being available on day 1
Most people with FSAs have higher disposable income so this isn't really an advantage either. Lower income folks typically have HSAs instead.
That leads us to BJ Fogg's Persuasive Design Lab at Stanford and the addictive software design.
Tobacco industry owners figured out their time's out and bought food stock and put their addiction department to design food to be addictive.
Where should we head next?
Used to work at 7-Eleven and we would have people come in and out for hours on end pouring money into scratch tickets.
State lotteries are just a regressive tax targeting the poor.
As bad as the odds are, the lottery is still the best chance most players will ever have to be millionaires
Those people do not have a gambling problem, though. They are dropping a few bucks a month to buy a daydream. It could be worse, they could be spending 10x that on Starbucks.
What would that look like? Would gamblers have to send copies of their pay stubs or bank statements to every casino or gas station they visit and every gambling app they use? I'd be happy if we focused on restricting the most harmful actions of the companies who profit from the people they turned into addicts. No more online sports betting. No more adverting for gambling. No more targeting children with gambling in video games that accept real money for anything. No more using AI or surveillance to detect and target addicts.
(I am not defending state lotteries, but I do think there's some distinction to be made between "we actively exploit people to maximize our profits for our own sakes" and "we regulate the passive exploitation of people to supplement taxes in a regressive manner." Or something. I dunno, maybe somebody has more elaborate thoughts on this to share.)
It's a fun moral question. At what point do you give up trying to make someone/a population healthier and say "well if you're going to be this way, we might as well get some use out of you"?
(To me, it seems) The same people who screamed to legalize weed a few years ago are vehemently against alcohol and gambling.
I was convinced by this for a full 30 seconds before I realized there are millions of advertisements for the state lotteries. They aren't just regulating a market that will exist with or without the state, they are actively promoting and encouraging it
You have some numbers to check.
(“Elaborate thoughts” aren’t needed here - are more people spending less on the lottery? where does each state spend the money?)
Yet
In the 1980s, if you wanted to gamble in my city, you went to a gambling den operated by the Civella crime family. If you got caught in a police raid, your life was ruined. If you got behind on your debts, the mob might take it out of you, literally. These were known risks, but people did it anyways.
Then, in the 1990s, there was a change in the casino gaming laws. Casinos opened with harm reduction measures in place. You can absolutely destroy your finances for life in one, but there are ways out.
These apps need regulation like in-person gambling has. Whatever they currently have, it's not enough.
Some slot machines/casino games are designed to appeal to problem gamblers. DK and co, however, do not design these games, and state regulators do already control aspects of their design. For online operators, this doesn't represent most of their revenue and, I suspect, most would be quite happy not to provide these products.
Define "drugs". Alcohol is a drug. Most users aren't addicts. So is tobacco. Most users are addicts. Cannabis? More like alcohol than tobacco in terms of addictiveness.
There may be some selection bias. Smoking tobacco is an unpleasant sensation. There's no reason to do it other than the addiction and the effects on your brain chemistry afterwards. Whereas many alcoholic drinks taste great in their own right and would be consumed even if they had no chemical effects.
I suspect gambling is like alcohol or cannabis. Engaging in it affects brain chemistry. For some people that's addictive. Most people are able to enjoy the activity without being hooked.
I disagree but maybe I’m just addicted.
It's terrible for your health, it's "burning money", it literally makes you stink, it makes you winded walking up stairs, and is generally terrible.
But the little head rush you get starting the day with a coffee and a cigarette feels great.
That's the effect on brain chemistry I referred to.
Do you actually enjoy the smoke in your mouth, burning your eyes and lungs?
A cold beer on a hot day is refreshing just for its temperature alone. A fruity cocktail tastes good because sugar tastes good. What's enjoyable about the physical sensations produced by smoke?
I mean maybe we're arguing semantics, because the pleasure of eating sugar is possibly also an alteration of brain chemistry. But there is a difference.
The reason you like the taste of beer is in large part because your brain has learned to associate that taste with good things happening (the alcohol feeling).
Same with coffee, it's bitter, objectively should taste bad, but you learn to like it.
It's the same process
Explain the popularity of non-alcoholic beer.
> Same with coffee, it's bitter, objectively should taste bad
Many fruits, vegetables, and foods (cheeses, unsweetened chocolate) are naturally bitter and widely enjoyed, even though they don't give you a high.
People also enjoy bitter caffeine-free herbal teas.
> Most people don't actually like the taste of alcoholic drinks when they first try them as a teenager.
Many children don't like vegetables either. Adults more often do. Our tastes change as we grow older.
Anyone who has quit smoking will tell you that the habit is the hardest part about quitting, not the physical addiction.
Many years ago when I smoked - yup, sure did. I loved the entire experience, except maybe going outside in the middle of winter.
For alcohol that number is something like 2/3 revenue from the top 10% of drinkers, who drink an order of magnitude more than the decile below them. I doubt gambling is very different but if you have more info I'm happy to hear it.