I started this post as a post to the growing evidence blah blah thread but then my dotto train of thought took a wrong turn...
Anyway, I found it surprising that someone who appears to have some smarts (managed to pass CTC's hoops) and sounded intelligent (could string a flowing sentence together) would be avoiding sources of info on the basis that they were negative.
This is very similar to this:
Mr & Mrs US home buyer pick a discount rate mortgage a few years back as it made the repayments easier, then they complain when the discount expires and the repayments are too high.... unlike the UK, most US loans are fixed rate, so the higher repayments on the horizon were not exactly unexpected! They chose to avoid the negative thought process in the loan selection!
iX