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> At least for me...there's huge access to...capital.

This is not true for more people in the US than the populations of most other countries.

It's also weird to ask why people would do the obvious easy thing that takes no time or effort over the thing that takes more time and more effort. I bet you also make the exact same decision in a bunch of other contexts every day. Just use the pattern matching part of your brain to apply the same motivation to a new context.




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