The document contrasts individualism versus a more structured and organized approach to learning. It also contrasts thin learning scenarios, which have fewer resources, versus fat learning scenarios, which have more resources. Specifically, it notes that individualism leads to self-compliance, fragmentation, and maximized individual choice, while a structured approach leads to outcome-driven innovation, predefined rules and tools, and standard products. Thin scenarios rely on pre-defined tools and rules, while fat scenarios enable proactive, calculated risk-taking.