As to why you're downvoted: HN has become rather eager to downvote. I'd even say toxic, because a few months ago I were downvoted and I knew I deserved it. Nowadays it's because I or someone else has an unpopular (but well reasoned) opinion. It's frustrating, not because I care for my Karma but because I'd like to have a discourse beyond agreeing on the popular opinion.
Here I though I was making an argument that when people where given the freedom to choose without it having financial implications they would in fact choose differently than when they have to pay for it and a "mistake" means more.
