applyied behavioral analytics. A type of therapy used primarily for individuals with disabilities that relies on reward systems heavily. ABA though, to me shouldnt be controversial because of it using gamification but because of the specific behaviors often targeted with the interventions. Positive behaviorism is pretty much the standard in education even outside of this therapy and outside special education.
I more assume “banks will stop offering services if they make less” or “those hard limits teach you to not go below 0” which are dumb