Credit Card Debt and Why Stats Don’t Matter

credit card debt and why stats don't matter

For all of you out there who are so enamored with your Heroes of the Storm Brawl (ARAM) stats, it’s time you learn about credit card debt and why stats don’t matter.

If you don’t understand what I mean, then you probably need to read on.

Schooling the Financial Experts

Over 17 million people a week tune in to listen to financial advisor Dave Ramsey. If you’re asking what this has to do with stats, hold on. You wait 30 seconds at the beginning of every Heroes match and 5 minutes of loading for that one dude whose Internet connection is held together with baling wire and chicken feathers; you can make it through 30 seconds of setup.

Anyway, Ramsey has a plan for paying off debt that is straightforward: Pay off your smallest debts first, then the next smallest, and so on. It’s part of his simple approach that he calls Baby Steps.

Financial experts often counter this advice telling him that it’s not the most effective. The smallest debt may have the smallest interest, where a larger debt may have more interest.

But this is why every week Dave Ramsey has people call in saying they are debt-free. Because he knows something that the financial experts don’t get. He understands more about the situation than simple math. You can take his approach to learn about credit card debt and why stats don’t matter.

What Does this Have to Do with Stats?

The reason Dave Ramey’s approach works better than the financial experts is because they are looking at math, and Dave is looking at people. As he says, personal finance is 80% behavior and only 20% knowledge.

If you’re still scratching your head wondering about credit card debt and why stats don’t matter, it’s this: you’re looking at the wrong thing.

Have you ever been in Quick Match where someone just stuck in a lane soaking XP, leaving the team to fight 4v5 objectives? When everyone screams that person just says “but look at my stats!”

Or have you ever been in a game where the tank just decided to hang out in the dugout. Perhaps Leoric got a little confused from all the the deaths, or Auriel was too snobbish to heal him so he was left without any health. Whatever the reason, the DPS simply couldn’t throw out any damage. When they did get their licks in, they were soon destroyed, waiting for the reset timer to finish so they could do more damage.

Inevitably someone will look at the stats and conclude that the DPS just isn’t doing their job. It seems both financial experts and gamers alike are flummoxed by credit card debt and why stats don’t matter. What’s more, many players misread stats.

Misreading Stats

Not only are people often unable to see the bigger picture, they misread stats entirely. There are a lot of ways to misunderstand stats.

  • Only Looking at Hero Damage: Too many people only look at hero damage and not at all damage. Someone could be doing the most damage, taking down gates and towers, but someone else will complain they aren’t doing their share. Often taking down minions to gain the added damage of allied minions or towers focusing on enemies, or taking down enemy towers to reduce the damage being done to allies has a greater contribution than people realize.
  • Non-Visible Contributions: Slows, stuns, tosses, roots… none of these are directly visible in the stats. Someone could be doing an amazing amount of CC to contribute to the team, and, apart from XP, no one will see it.
  • Ignoring Contributing Factors: I was in one game as KT without a tank. The other team had stuns galore and we had none. Between the lack of tank, added stuns, and a Garrosh with a mean toss, I not only found myself on the wrong end of a couple throws, I had a team that did nothing to assist (ignoring rule #2!). As all the other team had escape abilities (Valla, Brightwing, Qhira, and someone else I can’t recall), they couldn’t fathom why my stats where lower even though every time I was tossed I had no way to recover. A poor tank, a bad healer, enemy focus, and other things can all contribute to bad stats, yet don’t show up on the score card.

For all these reasons you can see the correlation of credit card debt and why stats don’t matter. Sure, stats are a useful tool, but just like interest rate, they don’t tell the whole story. If you want to pay off your debts, focus on behavior, not interest rate. If you want to win Heroes of the Storm brawls, focus on the brawl rules, not stats.

Oh… and don’t be a hero, but that goes without saying.