I think you’re projecting too much onto someome just because they accept slightly below market compensation. Yes you may filter out the superstars but many jobs

I think you’re projecting too much onto someome just because they accept slightly below market compensation. Yes you may filter out the superstars but many jobs do not require or really benefit from very above average performance. And Risk aversion is neutral at worst, reliability, character, conscientiousness are highly valuable in most jobs.