Is it just me or does anyone else think that "tragedy of the commons" is overused as an explanation?

While I'm at it. Also overused (not as an explanation) but just as an expression is, "onboarding".

Also, "Dunning-Kruger effect"

Sorry for veering off-topic but I was triggered.

I imagine a HN Bingo app game where each player is randomly assigned HN-y phrases and expressions from a fixed database at the start of the day. As the day progresses the app monitors comments of posts on the front page for matches. First to get a line is the winner!

Incidentally I agree with the commenter @cornholio, curing the unwell is incentive enough as there is plenty of profit to made and to live means to suffer from ill health at some point in one's life. As you were…