Having a harmful or destructive effect, especially in a subtle or gradual way that is not immediately obvious

Latin perniciosus — pernicies (destruction, ruin)

Harmful Detrimental Insidious Deleterious
Beneficial Benign Salutary Helpful
"Loan waiver politics has a pernicious effect on credit culture — borrowers begin to anticipate forgiveness, creating moral hazard and discouraging repayment."

Strong negative adjective for Mains answers and essays. Use when a policy or practice has long-term hidden costs: 'pernicious effects of fiscal populism', 'pernicious cycle of poverty', 'the pernicious influence of money in elections'. Stronger than 'harmful' because it implies the damage is gradual, deep, and not always visible.

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