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DanielLC comments on Zeckhauser's roulette - Less Wrong Discussion
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Just have it so you only have to pay if you win. That makes it less confusing.
Case 1: You have a 50% chance of paying $x to give a 16.7% increase in the probability of surviving. Case 2: You have a 100% chance of paying $x to give a 33.3% increase in the probability of surviving.
In either case, the amount you pay would be 1/3 the value of your life.