AndyC comments on Circular Altruism - Less Wrong
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There's an interesting paper on microtransactions and how human rationality can't really handle decisions about values under a certain amount. The cognitive effort of making a decision outweighs the possible benefits of making the decision.
How much time would you spend making a decision about how to spend a penny? You can't make a decision in zero time, it's not physically possible. Rationally you have to round off the penny, and the spec of dust.