> the truth is that nobody is in a better position to determine how your income should be spent than you This may be unpopular to say, but this is pretty demon

> the truth is that nobody is in a better position to determine how your income should be spent than you This may be unpopular to say, but this is pretty demonstrably false. Perhaps you've not heard of the free rider problem? https://en.wikipedia.org/wiki/Free_rider_problem https://en.wikipedia.org/wiki/Free_rider_problem