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I am not sure about that. If you're risk-neutral in utility, you should be indifferent between two fair-coin bets: (1) heads 9 utils, tails 11 utils; (2) heads -90 utils, tails 110 utils. Are you?
Yes, I am, by definition, because the util rewards, being in utilons, must factor in everything I care about, including the potential regret.
Unless your bets don't cash out as
and
If it means something else, then the precise wording could make the decision different.