I definitely agree with this, although even for the "zero negative consequences" argument I usually counter with "one of your friends loaded all their contacts

I definitely agree with this, although even for the "zero negative consequences" argument I usually counter with "one of your friends loaded all their contacts into some app that shows them who's calling them, and now you're bombarded with text messages offering you black market loans, tons of marketing calls, etc." (which is actually true in Israel). Anyway, I was going with "defeatist" mostly because it reminded me of an attitude I personally sometimes display when it comes to being overweight: "I already ate above my maintenance window today, I might as well just eat everything in the pantry and fridge and order some family-size pizzas". So, "I've already failed once, might as well keep failing."