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		 The existence of earthly phenomena like insurance and modern medicine affect human behavior, generally for the worse.  I don't see why belief in an afterlife and forgiveness wouldn't do the same.  Indeed, as I've argued repeatedly, a lot of our biggest and most charming Christians have the sin/forgiveness/repeat cycle down pat 
		
	
		
		
		
		
			
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Live now-pay later.  Diner's Club!
			 
		
		
		
		
	
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