@dkid14 Great example of how social programming/engineering works. VISA/Mastercard et al and anyone extending credit have spent millions of dollars funding studies determining how our brains work. Your example was from MIT.
Social engineering at its finest. How do you enslave the masses without their realization of creating their own prison? I am referring to the interest debt associated with Credit Cards. How many of the world's population are living paycheck to paycheck?
What keeps the population in check? The credit report and that report is self-governing! Every time we check the accuracy of our report we are validating/verifying their information about us. Their cost? Zero, zilch, nada!
And we just gave away all of our updated financial information for FREE!
And the social engineering begins, habits, spending patterns, etc, etc. all sold to third party entities. Oh sure, we have an option to opt out! Really? Do we?