This rather sounds like short term vs. long term decision making, or accumulating debt. What are the "coins" of Greshams's law in your example?
Options with short-term benefit but long-term harm, are excessively adopted.
Options with short-term harm or cost, but long-term benefit, are excessively rejected.
Put another way, markets consistently under-rate risks, and more complex ones to a greater extent. But they also under-value long-term. positive benefits. Markets operate in the now.
Related is Robert K. Merton's work in manifest vs. latent functions, from sociology.