Why can we underestimate threat? This phenomenon isn’t distinctive to politics or pure disasters, and it contradicts our want to organize for future occasions. It explains why it’s exhausting to get wholesome “millennial invincibles” to enroll in medical health insurance, why earthquake insurance coverage insurance policies skyrocket after an earthquake, and why individuals are likely to underinvest for retirement. Two separate biases — availability and recency — clarify why we make medical …

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