When combined, the meaning is strikingly literal: “The gains (得) cannot (不) compensate for (偿) the losses (失).” Each character contributes directly to the idiom's overall meaning, making it a relatively easy chengyu for learners to deconstruct and remember.
“得不偿失” reflects a core value of pragmatism and foresight in Chinese culture. It's not a lofty philosophical concept but a piece of practical, everyday wisdom. The idiom encourages individuals to think through the second and third-order consequences of their actions before committing to them.
This idiom is widely used across various contexts due to its clear and universally applicable logic.