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The Fact
Here’s a common example of the “spotlight effect” in work: do you every wear clothing you think might be embarrassing, and then tend to overestimate how noticeable it is to others? It’s much more likely the case that no one even notices or cares at all!
People's poor financial education depends much of the fact that many people lives in capitalism society like in socialism. To treat irresponsibly with miney is to live in poverty.