scam

Surviving in an ad-supported world

PNRJ cognitive science, core principles, critique of neoclassical economics, public policy , , , , , , , ,

Apr 21 JDN 2460423

Advertising is as old as money—perhaps even older. Scams have likewise been a part of human society since time immemorial.

But I think it’s fair to say that recently, since the dawn of the Internet at least, both advertising and scams have been proliferating, far beyond what they used to be.

We live in an ad-supported world.

News sites are full of ads. Search engines are full of ads. Even shopping sites are full of ads now; we literally came here planning to buy something, but that wasn’t good enough for you; you want us to also buy something else. Most of the ads are for legitimate products; but some are for scams. (And then there’s multi-level marketing, which is somewhere in between: technically not a scam.)

We’re so accustomed to getting spam emails, phone calls, and texts full of ads and scams that we just accept it as a part of our lives. But these are not something people had to live with even 50 years ago. This is a new, fresh Hell we have wrought for ourselves as a civilization.

AI promises to make this problem even worse. AI still isn’t very good at doing anything particularly useful; you can’t actually trust it to drive a truck or diagnose an X-ray. (There are people working on this sort of thing, but they haven’t yet succeeded.) But it’s already pretty good at making spam texts and phone calls. It’s already pretty good at catfishing people. AI isn’t smart enough to really help us, but it is smart enough to hurt us, especially those of us who are most vulnerable.

I think that this causes a great deal more damage to our society than is commonly understood.

It’s not just that ads are annoying (though they are), or that they undermine our attention span (though they do), or that they exploit the vulnerable (though they do).

I believe that an ad-supported world is a world where trust goes to die.

When the vast majority of your interactions with other people involve those people trying to get your money, some of them by outright fraud—but none of them really honestly—you have no choice but to ratchet down your sense of trust. It begins to feel as this financial transactions are the only form of interaction there is in the world.

But in fact most people can be trusted, and should be trusted—you are missing out on a great deal of what makes life worth living if you do not know how to trust.

The question is whom you trust. You should trust people you know, people you interact with personally and directly. Even strangers are more trustworthy than any corporation will ever be. And never are corporations more dishonest than when they are sending out ads.


The more the world fills with ads, the less room it has for trust.

Is there any way to stem this tide? Or are we simply doomed to live in the cyberpunk dystopia our forebears warned about, where everything is for sale and all available real estate is used for advertising?

Ads and scams only exist because they are profitable; so our goal should be to make them no longer profitable.

Here is one very simple piece of financial advice that will help protect you. Indeed, I believe it can protect so well, that if everyone followed it consistently, we would stem the tide.

Only give money to people you have sought out yourself.

Only buy things you already knew you wanted.

Yes, of course you must buy things. We live in a capitalist society. You can’t survive without buying things. But this is how buying things should work:

You check your fridge and see you are out of milk. So you put “milk” on your grocery list, you go to the grocery store, you find some milk that looks good, and you buy it.

Or, your car is getting old and expensive to maintain, and you decide you need a new one. You run the numbers on your income and expenses, and come up with a budget for a new car. You go to the dealership, they help you pick out a car that fits your needs and your budget, and you buy it.

Your tennis shoes are getting frayed, and it’s time to replace them. You go online and search for “tennis shoes”, looking up sizes and styles until you find a pair that suits you. You order that pair.

You should be the one to decide that you need a thing, and then you should go out looking for it.

It’s okay to get help searching, or even listen to some sales pitches, as long as the whole thing was your idea from the start.

But if someone calls you, texts you, or emails you, asking for your money for something?

Don’t give them a cent.

Just don’t. Don’t do it. Even if it sounds like a good product. Even if it is a good product. If the product they are selling sounds so great that you decide you actually want to buy it, go look for it on your own. Shop around. If you can, go out of your way to buy it from a competing company.

Your attention is valuable. Don’t reward them for stealing it.

This applies to donations, too. Donation asks aren’t as awful as ads, let alone scams, but they are pretty obnoxious, and they only send those things out because people respond to them. If we all stopped responding, they’d stop sending.

Yes, you absolutely should give money to charity. But you should seek out the charities to donate to. You should use trusted sources (like GiveWell and Charity Navigator) to vet them for their reliability, transparency, and cost-effectiveness.

If you just receive junk mail asking you for donations, feel free to take out any little gifts they gave you (it’s often return address labels, for some reason), and then recycle the rest.

Don’t give to the ones who ask for it. Give to the ones who will use it the best.

Reward the charities that do good, not the charities that advertise well.

This is the rule to follow:

If someone contacts you—if they initiate the contact—refuse to give them any money. Ever.

Does this rule seem too strict? It is quite strict, in fact. It requires you to pass up many seemingly-appealing opportunities, and the more ads there are, the more opportunities you’ll need to pass up.

There may even be a few exceptions; no great harm befalls us if we buy Girl Scout cookies or donate to the ASPCA because the former knocked on our doors and the latter showed us TV ads. (Then again, you could just donate to feminist and animal rights charities without any ads or sales pitches.)

But in general, we live in a society that is absolutely inundated with people accosting us and trying to take our money, and they’re only ever going to stop trying to get our money if we stop giving it to them. They will not stop it out of the goodness of their hearts—no, not even the charities, who at least do have some goodness in their hearts. (And certainly not the scammers, who have none.)

They will only stop if it stops working.

So we need to make it stop working. We need to draw this line.

Trust the people around you, who have earned it. Do not trust anyone who seeks you out asking for money.

Telemarketing calls? Hang up. Spam emails? Delete. Junk mail? Recycle. TV ads? Mute and ignore.

And then, perhaps, future generations won’t have to live in an ad-supported world.

Why we need critical thinking

PNRJ cognitive science, core principles, education, financial fraud, politics, public policy, science and academia , , , , , , , , , , , , , , , , ,

Jul 9 JDN 2460135

I can’t find it at the moment, but awhile ago I read a surprisingly compelling post on social media (I think it was Facebook, but it could also have been Reddit) questioning the common notion that we should be teaching more critical thinking in school.

I strongly believe that we should in fact be teaching more critical thinking in school—actually I think we should replace large chunks of the current math curriculum with a combination of statistics, economics and critical thinking—but it made me realize that we haven’t done enough to defend why that is something worth doing. It’s just become a sort of automatic talking point, like, “obviously you would want more critical thinking, why are you even asking?”

So here’s a brief attempt to explain why critical thinking is something that every citizen ought to be good at, and hence why it’s worthwhile to teach it in primary and secondary school.

Critical thinking, above all, allows you to detect lies. It teaches you to look past the surface of what other people are saying and determine whether what they are saying is actually true.

And our world is absolutely full of lies.

We are constantly lied to by advertising. We are constantly lied to by spam emails and scam calls. Day in and day out, people with big smiles promise us the world, if only we will send them five easy payments of $19.99.

We are constantly lied to by politicians. We are constantly lied to by religious leaders (it’s pretty much their whole job actually).

We are often lied to by newspapers—sometimes directly and explicitly, as in fake news, but more often in subtler ways. Most news articles in the mainstream press are true in the explicit facts they state, but are missing important context; and nearly all of them focus on the wrong things—exciting, sensational, rare events rather than what’s actually important and likely to affect your life. If newspapers were an accurate reflection of genuine risk, they’d have more articles on suicide than homicide, and something like one million articles on climate change for every one on some freak accident (like that submarine full of billionaires).

We are even lied to by press releases on science, which likewise focus on new, exciting, sensational findings rather than supported, established, documented knowledge. And don’t tell me everyone already knows it; just stating basic facts about almost any scientific field will shock and impress most of the audience, because they clearly didn’t learn this stuff in school (or, what amounts to the same thing, don’t remember it). This isn’t just true of quantum physics; it’s even true of economics—which directly affects people’s lives.

Critical thinking is how you can tell when a politician has distorted the views of his opponent and you need to spend more time listening to that opponent speak. Critical thinking could probably have saved us from electing Donald Trump President.

Critical thinking is how you tell that a supplement which “has not been evaluated by the FDA” (which is to say, nearly all of them) probably contains something mostly harmless that maybe would benefit you if you were deficient in it, but for most people really won’t matter—and definitely isn’t something you can substitute for medical treatment.

Critical thinking is how you recognize that much of the history you were taught as a child was a sanitized, simplified, nationalist version of what actually happened. But it’s also how you recognize that simply inverting it all and becoming the sort of anti-nationalist who hates your own country is at least as ridiculous. Thomas Jefferson was both a pioneer of democracy and a slaveholder. He was both a hero and a villain. The world is complicated and messy—and nothing will let you see that faster than critical thinking.


Critical thinking tells you that whenever a new “financial innovation” appears—like mortgage-backed securities or cryptocurrency—it will probably make obscene amounts of money for a handful of insiders, but will otherwise be worthless if not disastrous to everyone else. (And maybe if enough people had good critical thinking skills, we could stop the next “innovation” from getting so far!)

More widespread critical thinking could even improve our job market, as interviewers would no longer be taken in by the candidates who are best at overselling themselves, and would instead pay more attention to the more-qualified candidates who are quiet and honest.

In short, critical thinking constitutes a large portion of what is ordinarily called common sense or wisdom; some of that simply comes from life experience, but a great deal of it is actually a learnable skill set.

Of course, even if it can be learned, that still raises the question of how it can be taught. I don’t think we have a sound curriculum for teaching critical thinking, and in my more cynical moments I wonder if many of the powers that be like it that way. Knowing that many—not all, but many—politicians make their careers primarily from deceiving the public, it’s not so hard to see why those same politicians wouldn’t want to support teaching critical thinking in public schools. And it’s almost funny to me watching evangelical Christians try to justify why critical thinking is dangerous—they come so close to admitting that their entire worldview is totally unfounded in logic or evidence.

But at least I hope I’ve convinced you that it is something worthwhile to know, and that the world would be better off if we could teach it to more people.