shut up and pay the charity bet!
I guess that bfl has massive cash flow problems.
Strongly recommend a refund
Actual competence may weaken self-confidence, as competent individuals may falsely assume that others have an equivalent understanding. David Dunning and Justin Kruger of Cornell University conclude, "the miscalibration of the incompetent stems from an error about the self, whereas the miscalibration of the highly competent stems from an error about others".
Dunning and Kruger proposed that, for a given skill, incompetent people will:
tend to overestimate their own level of skill;
fail to recognize genuine skill in others;
fail to recognize the extremity of their inadequacy;
recognize and acknowledge their own previous lack of skill, if they are exposed to training for that skill.