I mean, I’m just saying the danger exists (which is what “real” means to me) and people should be aware of it. Not that people shouldn’t dig big holes. I thought that was clear in my original comment but evidently not.
I’m in the same age bracket and hole-digging enthusiasm bracket as you but recently became aware of the dangers of this whimsical pastime! [1]
That’s not to dissuade you or anyone else from doing it (I have continued!), but I think everyone should be aware of the very real danger. As they say, knowing is half the battle!
Let’s just take 95% as a true figure … first of all the 5% you don’t get back is a straight up loss. The rewards you get at the end of the month are fine (eg cash back) but you’ve missed out on earning interest on the money you “get back”
I wonder if it’s crossover from typing http, ftp, etc. I know the practice has fallen to the wayside in consumer computing but I’d buy that most people have more muscle memory for typing _tp than _pt in a semi-standalone context