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Elo comments on A kind or reverse "tragedy of the commons" - any solution ideas? - Less Wrong Discussion
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I would be suggesting heading towards the dark arts;
where you might be trying to encourage ROI for upfront asset sacrifice (pay now, reap the benefits later) you can put off the upfront sacrifice by taking out a loan and gradually paying it off - thereby doing a (pay over time, reap the benefits over time). It would decrease your ROI but also decrease the upfront hesitations over cost.
I would be modelling the thoughts of those who don't want to pay up as: (Opportunity cost of paying now) > (Return over time)
especially when you consider that not all members of a strata will be the same members to reap the 20 year return... Also considering that people are probably not expecting the increase in energy prices, and also the cost of a solar system might go down in the future...