But not when - instead of being some arbitrary number like $50 - it’s a vague and unknown future liability. Most people end up with some mix of side income and

But not when - instead of being some arbitrary number like $50 - it’s a vague and unknown future liability. Most people end up with some mix of side income and tax breaks that are hard to predict in advance. If you’re wealthy and you’re off by $500, so what. But if you’re poor and you were off by $500, it can be devastating. So again, I think it’s rational behavior for some whose life is optimized around avoiding cash flow surprises than optimized amount maximizing return on capital.