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Should one live at the expense of others or not?
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No. Live your own life but you should try to help out people around you that you are directly linked to. Parents for ex.
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Is it better for the individual to do so?
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Yes, if everyone does it. But everyone won't. Human nature shows that we all are selfish/greedy in a way. If everyone lived at the expense of others...it's like or is communism, which is like an utopian society because it will never work and will tried, it will succumb to corruption (human nature).
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Should the individual be the focus or basis for betterment?
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Yes, individuals should try to fix their own problems and selfishness for the greater society to become closer to the utopian community of communism, happiness, etc. But of course, it will never work.
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*edit* I mean should one be selfish or selfless? and why?
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Be selfish like everyone else. But go preach selflessness and act like you're selfless.
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Everyone does have the same moral compass as me, some just don't care to follow it.
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Everyone has different morals. Are you implying that we all follow you and your little fantasies/morals?