it's basic human nature; we dont burn energy we dont have to
that includes mental energy (heuristics/cognitive biases)
some people recognize the danger when it closes in on them, some recognize it after they've been burned once...some never do, sadly.
so while it's frustrating for people that are trying to suss this out that others dont care, we should cut them a little slack...and ourselves, too, by not getting pissed off ;>
thanks for the comment!