Ok, then what is the solution? The biggest problem, of course, is that if everyone is 'forced' to do it then everybody will raise prices? Could there be incentives instead? Because right now it seems like a chicken and egg scenario.

This is damn hard to do. I over obsesses over just, instead of just 'doing it'. For example, I have a novel I'm writing that I haven't really..finished because I guess I'm waiting for the 'perfect' idea. Maybe I should get to it...soon.........

Um..but anytime the invisible hand is at work, isn't there a HIGH chance of being 'evil'? We live in a capitalist society, so there's going to be a hint of evil if left unchecked.

But what do you do when your past eats away at your present? For example, I did a lot worse during my freshman year of college, but WAYY better during my senior year. But, when jobs want a minimum GPA (or shall I say internships that can lead to jobs?) it's hard not to fall back on the past because, IMO, my…

This is actually an excellent point. I know a lot of people that 'lose' their motivation to do great things once things are safe and sound. For example, if you were making $20,00 a year, but got an engineering degree and made $50,00 a year you suddenly have the 'windfall' mentality and in many ways don't think things…

It's hard though. Most of the time I overthink, its because of big decisions. The biggest problem is that I think so much I end up regretting my decision because that ONE caveat I looked over.