Markdown doesn't give you a table of contents, an index, page breaks, control over typesetting, control over table layout, captioned figures, diagramming tools, etc. The difference is about the same magnitude as between Pong and Call of Duty. Yes they're both video games, sometimes one is preferable over the other, but they are not equivalent.
That's indeed one of the reasons I'm sceptical of broad passive investing: you include many companies that are either evil or have a bullshit business model.
Kindergeld in Belgium (Flanders) is about 120€. That's a little over 10% of thr minimum wage. In this Polish story it was 33%, big difference. What ratio is it where you are referring to?
For reference, full time day care in Belgium will cost you about 500€ per month if you are not poor.
I don't quite get the behavioural analysis bits. I spend time on my phone reading the news, reddit, HN, a couple blogs, WhatsApp with friends and I also play games here and there until they bore me. The game I logged the most time in is a port of a game made by a shareware-style developer back in the ninetees.
Where was such analysis involved in driving my usage patterns?