Appropriate for a species that is both predator and prey, System One lives in a world of snap judgments, extensible metaphors, ill-informed biases, and loosely constructed rules of thumb.

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Even patient navigation, Freeman says, falls prey to our fragmented system -- one filled with specialists that each operate in a separate universe.

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People who remain outside the banking system often fall prey to predatory lenders and to the high charges levied by wire-transfer services, with little recourse when they are abused.

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The problem most people have with the credit system is that it does in many cases prey on the ignorant.

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