We believe in financial orthotics. But that's an inhuman crock of shit. We need to build strength in bare financial feet, not pay for padding to temporarily numb the pain. The self-deception of confusing 'quality of life' with 'access to comfort' is the world's slowest and silliest suicide note.
Misunderstandings are about problem formulation: a mistake in coming up with the question – asking a bad one, or asking the right one in a bad way.
Fallacies are about solution reasoning: a mistake in getting to the answer – using flawed logic, or an inefficient method.