Fundamentally, the issue from "where I sit" @c0ff33a is too many are unwilling to invest the time and effort needed to make good decisions. Everyone is looking for the "easy button" solution ...

As a result and angry over the injustice it represented in the example cited, I invested way more time than I had available into that uhhh ... "exchange" (referenced above) and, yet, felt I was largely wasting my time ...

Thank you for your response and again, investing your own time into writing this post!