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> It doesn't take a conspiracy, or especially evil actors... All it takes is millions of local optimizations to get us into the state we're in now

This is so true, not just in this situation, but in many others.

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I can't categorically prove that is wholly false, but I also think it is naive to think that many involved in making numerous such "optimizations" didn't do so knowing fully that they were increasing their own welfare at the vastly greater expense of numerous others. I have no need to classify them as "evil", but extremely selfish, greedy, misanthropic, or sociopathic would suffice.

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