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> When everyone around you is breaking the rules and receiving no repercussions, then following the rules yourself is equivalent to choosing to lose.

Depends on how you define "lose". And also on what you think the "rules" are.

For example: most drivers in the US routinely exceed the posted speed limit on roads. Is that "violating the rules"? In a legal sense, it is, since if a cop catches you he can give you a ticket and you pay a ifne and points go on your driving record. But nobody considers you a bad person for doing it, and I would argue that doing it, if you don't cause an accident, is not harming anyone. However, obeying the speed limit is also not considered a bad thing; all it really means is you get where you're going a bit slower. The tradeoff is yours to make; you don't "lose" by choosing to obey the posted rule.

Now consider an example at the other end of the spectrum: all of the shenanigans with mortgages and the financial system that caused the crash of 2008. Those who "followed the rules" leading up to the crash--for example, those, like my wife and me, who limited our mortgage and the size of house we bought to what we could comfortably afford--did not "lose". Sure, the value of our home went down, but we had no need to sell it then. It was still a house and we could still live in it just fine. Sure, we didn't have a bigger house with more bells and whistles, but we also didn't have to worry about what might happen if the housing market crashed. In other words, we made a tradeoff not much different from the one made by the person who obeys the speed limit and just gets where they're going a bit slower--but still gets there.



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