Come on man, I think you know that I know it is more complicated. I hope you don't think I am some dumbass. That said, sometimes you have to break things down to the simple. If not, you can keep complicating the complicated, which is what I think some of these people keep trying to do.
It doesn't take a genius to figure out that dollar in your hand doesn't buy you that burger anymore. The how's and why's don't really matter at that point. Do they? You are a young, smart guy. Don't get bogged down in the mumbo jumbo.
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