This reminds me of prospect theory:

Option A: You have an 80% chance of winning $4,000, but a 20% chance you win nothing.


Option B: You have a 100% chance of winning $3,000.


Which would you choose and why?


Option A: You have an 80% chance of losing $4,000, but a 20% chance that you lose nothing.


Option B: You lose $3,000 for sure.

The answer is "A" in the first set and "B" in the second set. Most people reverse them though, especially choosing "A" in the second set.