What you’re indirectly highlighting is that the dominant asymmetry is the difference between the risk of having not thought about it and the cost of having thou

What you’re indirectly highlighting is that the dominant asymmetry is the difference between the risk of having not thought about it and the cost of having thought about it and found no problem. The average person - the median - has little cost in asking this question - but for the minority it applies to, it has a very large cost if not asked. Imagine a helpful insurance policy. “Most” people wouldn’t benefit from it. Fine. Those that do would make up for it on intensity of bentit.