Shout-avoidance shows you don’t give a damn for your fellow human beings or your long-term reputation. Because your own desires are all that matter to you, writes Ian Whitworth.

Often spending money is outright enjoyable. Hiring more staff. New assets. Those payments bring a pleasant feeling that you’re going places, with happy hopes of future returns. Then there are expenses that just suck, bring you zero benefit or joy, and raise your blood pressure every time you pay.