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These days, I took a short video media course (yes, Lao Deng basically doesn't watch them, and I haven't even downloaded them). The biggest takeaway is: not everything is about IQ, cognition, choices, or innate xx.
Besides the IQ tax, there are also the sweet tax, appearance tax, faith tax, anxiety tax, patience tax, execution tax…..
Attributing it to insufficient cognition and the IQ tax, fundamentally, it's also a form of strategic laziness.