Name: 保险的反直觉心理
Uploaded: 2022-02-23T21:20:45Z
Duration: 16 min 12 s
Description: 你买保险的真正原因可能不仅是为了保护你的钱包，也是为了取悦你的心理。行为心理学家奥里特·蒂科辛斯基（Orit Tykocinski）探索了保险和“魔幻思维”的现实扭曲风险之间的联系，这种风险可能会让你重新考虑自己的理性。

奥里特·蒂科辛斯基: 保险的反直觉心理

保险的反直觉心理

你买保险的真正原因可能不仅是为了保护你的钱包，也是为了取悦你的心理。行为心理学家奥里特·蒂科辛斯基（Orit Tykocinski）探索了保险和“魔幻思维”的现实扭曲风险之间的联系，这种风险可能会让你重新考虑自己的理性。

Buying insurance feels like a shield against disaster, but research shows it mainly soothes our worries instead of changing real risks. In one study, simply reminding people they had health insurance made them believe even a war in Europe was less likely. Our brains confuse emotional comfort with actual protection, leading many to over-insure against unlikely events like a tsunami in Paris. This emotional logic can quietly drive us to unnecessary spending and false security.