Well, the proper response probably isn't to shoot yourself in the head and prevent yourself from knowing about the difference in default rates. It is entirely

Well, the proper response probably isn't to shoot yourself in the head and prevent yourself from knowing about the difference in default rates. It is entirely possible to figure out what is going on, to what extent, and then make an informed decision as to whether to continue. Avoiding discovering things, which is what all these asinine articles end up suggesting, is almost never a good idea for competent adults, and legally preventing people from discovering things is antithetical to a free society.