Yeah, because utility theory is not how people think. Give most people a puzzle that allows for significant gain if you answer correctly, or simply not being ha

Yeah, because utility theory is not how people think. Give most people a puzzle that allows for significant gain if you answer correctly, or simply not being harmed if you answer suboptimally, and most people try to escape what they correctly intuit as a trap. Not choosing the best answer is wrong, you don't assume you are smarter than the other person, so opt out.