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> they probably make sure people know it'd be bad for them to exercise it.

The example you cite seems to undermine this claim. If you're doing terribly selling Mary Kay products, you get 90% of your money back and... you can't sell Mary Kay products anymore. Which you couldn't do in the first place; why would you care about being blacklisted?



If people thought about it that rationally, they wouldn't have gotten involved with MLM schemes in the first place.




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