Coût irrécupérable 💡

sunk-cost bias: studies have found that we tend to value things we already own more highly than they are worth and thus that we find them more difficult to get rid of.

Ce sentiment de honte signifie que les personnes endettées n’arrivent pas à se raisonner pour arrêter cette folie. Elles deviennent victimes des pratiques néfastes des organismes de crédit, qui se repaissent des clients mal informés et indisciplinés. Ces sociétés excellent dans l’art de nous soutirer toujours plus d’argent, et on n’est pas assez in

Sunk costs then arrive to further lock-in an incumbent against possible substitutes. Humans often overvalue past decisions and then repeat them.

Fundamentally, when we value effort over outcome, we’re paying for incompetence. Although it is actually irrational, we feel more rational, and more comfortable, paying for incompetence.

Sunk costs—anchoring decisions to past efforts that can’t be refunded—are a devil in a world where people change over time. They make our future selves prisoners to our past, different, selves.

Sunk-cost bias is the tendency to continue to invest time, money, or energy into something we know is a losing proposition simply because we have already incurred, or sunk, a cost that cannot be recouped.