Feel free to reuse anything here. I feel like that was only bits and pieces of what I'm really thinking, but human behavior is so vast in scope that it defies easy analysis.
>>labste+(OP)
If you ever write more of what you're thinking on this topic, please let me know at hn@ycombinator.com. I'd like to read it. Users often point things out that we haven't thought of, but this was a particularly memorable case to me.