> Because to me, it just looks like the (mostly potential/future) downsides are massively outweighed by the (mostly actual/current) upsides.
Yes. That is true for most things. Eat fatty and sugar-rich food, have pleasure now pay it later. Drink a lot of alcohol, have fun now pay the consequences later. Burn fossil fuels have cheap energy now have catastrophic consequences later. Spend all money now, not have savings in the future.
You are prioritizing current convenience against future consequences. That is a very human thing to do.
