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There's incentive (as it's their job, or is said to be). What there isn't is a downside if they don't.

If we're talking about economic incentive, having no downside for not doing thing A is equivalent to having no incentive to do thing A. Re: opportunity cost.

Yes. In economics that's the context. But in terms of civics, I think the term is: voter apathy.

I was adding to, not arguing with.

especially when they're trying to dismantle what little we have (CFPB)