I see your problem is not that there is one way of doing things but rather there is a good way to put your words across when one extreme happens but we do not have the same for the other one. Therefore it is not as easy to correct people when they do use such fallacies. However two very known concepts come into my head when i read this problem. Sunk cost fallacy and the concept of diminishing returns. Aren't they are the "meme" you are searching for that can be used to correct someone when they do the infinity fallacy? What do they lack?
Another argument of...
Prior to this post i did not hear about short-termism. So i took a look about it and i see that is a rather vague idea that can be summarized as "Prioritizing desicions that have an immediacy". Interesting thing is that there are no set rules or definitions about the term. There is just a vague term given that is "immediacy". I think it is safe to assume that this is considered as immediate relative to a human's life time or maybe an individual's own perspective of time. Sure. However to oppose you have proposed a new idea that is as vague as the original ...
Prior to this discussion i did not know what discount rate was. So i went and learned about it. Correct me if i am wrong. It is something like this:
Let's say that i want to have 20.000 dollars exactly 1 year from now. I will invest into some fund that has an interest rate of 5%. How much money should i invest today to have 20.000 dollars exactly 1 year later?
The formula is this(source:https://openstax.org/books/principles-finance/pages/7-4-applications-of-tvm-in-finance?query=discount%20rate&target=%7B%22index%22%3A0%2C%22type%22%3A%22search%22%7D#para... (read more)