It is indeed unintuitive in practice. One of the key factors is that a large part of the cost is opportunity cost. People tend to get all tangled up when think

It is indeed unintuitive in practice. One of the key factors is that a large part of the cost is opportunity cost. People tend to get all tangled up when thinking about such counterfactuals. We want to have our cake and eat it too. And if we can't, we persist in trying to find ways to believe that we can, and are surprised that the world continues not working that way.