I'll use the term "threat" for a problem where avoidance and/or submission is a good way of dealing it.
If a tiger is known to live in a particular part of a forest, that is a threat: Avoiding that part of the forest is a good way of dealing with the problem. If I take part in a hunting expedition and I don't do my part because I'm too much of a coward, that is also a threat: If I act as if nothing happened and eat as much food as I want, etc. then my fellow tribespeople will think I'm an obnoxious jerk and I'll be liable to get kicked out. So submission is a good way of dealing with this problem.
If I'm hungry or sleepy or I have homework to do or I need to get a job, those are not threats, even though they have potentially dire consequences: ignoring these problems is not going to make them go away.
Hypothesis: the EEA was full of threats according to my definition; the modern world has fewer such threats. However, we're wired to assume our environment is full of threats. We're also wired to believe that if a problem is a serious one, it's likely a threat. So we're more likely to exhibit the avoidance behavior for serious problems like finding a job than for trivial ones like solving a puzzle.
(I like the idea of co-opting the word "threat" because then you can repeat phrases like "this is not a threat" in your internal monologue to reassure yourself, if you've checked to see if something is a threat and it doesn't seem to be.)
This seems correct. In a jungle, the cost of failure is frequently death. In our society, when you live an ordinary life (so this does not apply to things like organized crime or playing with explosives), the costs are much smaller, and there is much fun to be gained. But our brains are biased to believe they are in the jungle; they incorrectly perceive many things as tiger equivalents.
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