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Metus comments on Beware Trivial Fears - Less Wrong Discussion
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Distuingish between low probability, low impact events and low probability, high impact events. The miniscule probability that some electronic gadget immediately dies when it exceeds its warranty should be neglected (in case you could actually afford the gadget in the first place) but the miniscule probability that I die from a heart attack at young age should be ground for some concern.