Both are horrible bills of course and should be stopped. But people often do not think about events with a low probability and extremely high damage if it happens. For example, take minor property theft crimes like shoplifting. Your gain is low, the probability of being caught is low, the potential damage to lifetime expected income is astronomically high. But people do it.
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Congratulations to SuperNiceDog, Guru Winner, who was smart enough to pick
your 7 time champion, Link.