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"A person like that does not have a good future."
A very true statement.

At the core, I am an optimist. And I hope when people do suffer from moral hazard, they change before the consequences bear down on them.

But knowing that old habits die hard, and the mistakes that I've made in the past, I am confronted with the reality of human nature. Some people need to go through the pain, to learn. Humans are weird, haha.

Thank you so much @franyeligonzalez for reading my post. 😁

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