Sadly, in this world you accomplish nothing for being nice and considerate. If you want to leave an impact (anything - a new invention, a new product, a new idea, anything with impact to contemporary culture) you have to bully yourself to the top, including stealing ideas and screwing people over, as well as to exploit people. All “great” people who accomplished something did that: Gates (Microsoft), Jobs (Apple), Musk (Tesla, Twitter), Bezos (Amazon), Thiel (PayPal, Palantir), Zuckerberg (Meta), Huffman (Reddit), as well as many politicans. It’s a personality treat.

Here is a video that explains the issue, albeit it focuses on designers:

I think it is important to have cash as a backup.

A couple of years ago there were some issues with card reading terminals in Germany. Due to a faulty security certificate these card reading terminals were not operational for about a whole month. Many stores were affected, because they almost all use ones from the same manufacturer. The only reason why it wasn’t such a big deal was that people were carrying cash around anyway and were able to switch the method of payment easily. Having cash worked as a backup.

When you are out of porn credits before the end of the month, you can go to the good ol’ simulator: