You win a game show and are given a choice: a $1 million cash prize, right now, no strings attached, or a 25% shot at a $100 million cash prize. Which do you choose?
The decision is not based on expected value alone...everyone's risk tolerance is different. A $1M loss to a billionaire is nothing, but someone living paycheck-to-paycheck could not afford to take the gamble.
Low risk compared to the reward, probably the lowest you will find. If your risk profile won't accommodate this, you probably wear a condom when masterbating.
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