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Patrick McKenzie (patio11)

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The optimal amount of fraud is non-zero
Counterintuitively, businesses, customers, and society prefer having fraud to what they'd need to do to not have it.
The optimal amount of fraud is non-zero
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The optimal amount of fraud is non-zero
The optimal amount of fraud is non-zero
Counterintuitively, businesses, customers, and society prefer having fraud to what they'd need to do to not have it.
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