  Second, it is not clear that monetary incentives make people act against their better interests or judgement. Indeed, this is a rather surprising view to take since people trade off monetary gains and losses against other factors on a daily basis; commerce and work require us to do this all the time. So if an adequately informed and competent person decides, after deliberation, that it is worth subjecting herself to a given risk in return for $10,000 then we should not just assume that s/he is acting against her better judgement since, for all we know, the $10,000 is more valuable to her than avoiding the risk (Wilkinson 2005).