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> no one is forced to do it

Go tell that to joint bank accounts and family court.

Not being forced to open a joint account either…

In all seriousness, all the pushback against paternalism comes from people who still believe in free will.

Were the children able to choose to be affected by their parents’ poor decisions?

What does this comment mean?

If spouse-a has gambling addiction and spends all of the family money, then spouse-b was effectively forced to gamble.