But, while I would always pick an average driver over a driver with a rating of two, given the choice between a two driver and a blind pick, I might pick the two, because the fear of someone even worse would keep me from taking a risk. This is a well-known phenomenon known as loss aversion: the risk of a one outweighs the hope of a five.
但两分意味着什么？这显然意味着低于平均分（三分）。但是，尽管我总是会选平均水平的司机而不是两分水平的司机，但由于在选择两分司机和瞎选之间，我还是会选择两分司机，因为害怕选到更差的司机让我不会选择冒险。这一众所周知的现象叫做风险规避——选到一分的风险压倒了选到五分的希望。