Les Risques indomptés

La plupart des gens ne ressentent pas la nécessité d'aller se couvrir avec un contrat d'assurance ni de diversifier leurs investissements, de la même manière qu'ils vont acheter un sofa ou de nouveaux vêtements. Ils devraient le faire, mais ils ne le font pas. Les institutions liées aux assurances, aux investissements et au secteur bancaire ont toujours eu à se battre pour amener les individus, les entreprises et les gouvernements à prendre part au financement de la gestion des risques. Leur succès, quoique impressionnant, reste incomplet : nous avons encore du mal à faire face aux incertitudes et aux risques inhérents à notre futur économique.

C'est pourquoi, dans presque tous les pays économiquement avancés, il est obligatoire de souscrire à des programmes d'assurances sociales et médicales. Personne n'est bien sûr complètement fermé aux risques potentiels de la vie, nous choisissons simplement de les ignorer pour des raisons qui tiennent à la psychologie humaine.

Le lien entre la reconnaissance intellectuelle des risques et le besoin d'agir contre ces risques est soumis à la médiation de la peur : nous avons été programmés par des millions d'années d'évolution pour agir de manière décisive contre toute menace immédiate et évidente. Si un animal sauvage s'approche de nous, menaçant, nous en ressentons de la peur et de l'anxiété. L'adrénaline coule à flots dans nos veines, notre attention se focalise et notre instinct de protection envers nos proches est alerté.

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