1980年,信用卡合同的长度一般为400词左右。如今,许多合同长达2万词。附属细则中的隐形费用、拒绝索赔条款和意料之外的收费让我们支付了更多的钱。根据波耐蒙研究所(Ponemon Institute)的研究,普通消费者每年支付的隐形费用大约为900美元(约合5,580元人民币)。根据美国联邦通讯委员会(Federal Communications Commission)提供的数据,针对座机电话的用户,其每年的意料之外的收费总计可达20亿美元(约合124亿人民币)。
Who has 90 minutes to read 20,000 words or the time to select a Medicare Part D prescription plan (a Web search on medicare.gov will return 45 plans for you to consider)? Ponder the fact that a dermatologist must sign his name to forms almost 30,000 times a year, according to a 2008 article in the Southern Medical Journal. We are on autopilot -- blindly signing, agreeing, working and spending.
谁肯花90分钟时间阅读2万个词,或者,谁会有时间去选择一个联邦医疗保险处方药计划(Medicare Part D)(在medicare.gov上搜索会得到45个方案)呢?想想吧,根据《南部医学杂志》(Southern Medical Journal)显示,一名皮肤科医生一年需要在将近3万个表格上签字。我们现在好像坐上了自动驾驶仪,每天盲目地签字、批准、工作和花钱。
How did we get into this mess? Lawyers and technologists are the taproots of complexity. Government regulators make things worse with misguided attempts to require 'disclosure.' Predatory companies with business practices that are onerous for consumers are only too happy to hide behind the cloak of complexity. And virtually all companies and organizations are averse to change and naturally inclined to take the path of least resistance. For them, it is far easier to keep tacking on amendments and exclusions than to take a blank-slate approach that would make things clearer to customers.
【世界简单化之旅: 当简单成为解决之道】相关文章:
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2020-09-15
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