Monty Hall Problem is to me the single most bewildering and depressing thing when I wonder how come mainstream/basic/MBA economics still keeps rational agency a

Monty Hall Problem is to me the single most bewildering and depressing thing when I wonder how come mainstream/basic/MBA economics still keeps rational agency as its central tenent. I mean, if people can't sort this out, how on earth someone that is not either extremely stupid or extremely evil (or both) can seriously think that people can figure out their optimal health insurance even if the terms were not incomprehensible legalese designed to trick you?