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Vaniver comments on We really need a "cryonics sales pitch" article. - Less Wrong Discussion
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I think this gets into prospect theory territory: psychologically, cryonics is perceived more like a lottery ticket than it is like insurance, in that you pay in the common case to gain wealth in the rare case. To the extent that one is sensitive to losses (rather than having a concave utility function), that makes cryonics seem like a worse idea (and insurance better).