Uh, that pop-up is "unpleasant feelings". Pain, discomfort, bad taste/smell, etc. If you went outside and started eating dirt, your brain would pop-up with "Hey, this tastes yucky, you should stop"
There is a term for this, but I can't remember what it is.
It's a phenomenon where a person goes through their formative years in a given structure, where you are raised by your parents, go to school, and are given set goals for every year - do X and you'll get to Y. This goes all the way up to your early twenties if you go to university, possibly longer if you join a structured company with similar guardrails, or much longer when you join the armed forces and live in a regimented way.
Once people leave these guardrails, some really struggle with the freedom they are granted. No one has a goal to point you towards, no one cares if you fail, and ultimately your life has a degree of freedom you haven't experienced ever.
One thing we're terrible at as a society is either guiding people with no clear path, or supporting those that don't want a clear path and want to find one of their own. Some people really struggle with this, and the freedom of being able to do shit like overindulge on drugs/alcohol/food with no support or community support can ruin lives.
Nah. Unless you have a severe condition like psychopathy or some other neuro divergent state, your brain is pretty consistent with giving you warnings. These take the form of "bad feelings" and second guessing. Most of us just choose to ignore them and then begin the mental gymnastics, altering the chemical pathways to justify and continue the behavior.
Does not necessarily apply to financial decisions because this is an artificial system with no basis in reality, brain is not wired to assess properly. Also why it's easy to con people so easily. No natural defenses.
This is the perspective of a generation that has had total guardrails their entire lives. They can't comprehend how fucking wrecked you can get from your own actions.
I think about this now and again, because the canals where I live often don't have fencing alongside to stop you falling in. A piece of the brutality of the universe in the city.