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3 points
I would argue that the relationship isn’t at all linear. Just take a look at the dunning-kruger curve or the hype cycle curve to get an idea how wildly these things can fluctuate.
2 points
You have it. You could also say that the graph is linear, but with different zero values (“problems” has a bottom of N > 0), but if we’re judging from IRL, it’s more like a parabola.
2 points
I like to think of it this way.
As your debt grows, your problems increase very gradually, maybe even asymptotically. As your wealth grows, your problems increase roughly linearly, but the slope is steeper than with debt. In between the two, there’s the sweet spot with the least amount of problems.
1 point
