give them your bank account number

What could possibly go wrong?

There are only two types of people who freely buy insurance: cowards and those who think they can fool the insurance company into paying more than the premiums cost.

Both groups are immoral.

democracy.

That word does not mean what you think it means.

The standard anonymous sex is male. Using "she" when the subject is not known to be female is confusing and is not proper English. It exposes your conscious bias.

Furthermore, the author of TFA is Matthew Braga, a male name.

Humans aren't motivated by logic.

Of course not. Logic, by its very nature, cannot be a motivator.

Instead, they use logic as a tool to satisfy their emotional needs.

That's understating the use of logic.

No tool suits every problem.

Logic adds value to the understanding of all problems.
The gist of the sum of your statements subtly undercuts the value of the human mind. What is your motivation?

Old CFLs (Lights of America) were separate ballast, and the ballast was good enough (if you were lucky) to last through 4 bulbs. They lost in the marketplace because of higher initial cost, and the difficulty in finding replacement bulbs was another disadvantage.

With LEDs, the LEDs and their heatsinks are the expensive part and the part most likely to fail. Separation of ballast from LEDs does not make economic sense.

The "closely held" test is pretty meaningless, since the majority of U.S. corporations are closely held.

It's more important to look at how many people are affected. According to https://www.census.gov/econ/smallbus.html more than half of the employees in the US are employed by companies with more than 500 employees, which excludes almost all "closely held" corporations.

Sure, there are a lot of "closely held" companies, but most of them are pikers.