To be a "rational actor," you must have awareness of the risks.
Most people move through the world on unconscious bias, making calculations beneath a rational threshold.
The Peltzman Effect shows the safer we make things, such as demanding seatbelts and airbags, the riskier our behavior becomes. We have a "risk budget" we subconsciously calculate and increase our risky behavior to the corresponding risk to life and limb.
In short, we are irrational actors who actively thwart the technology and policies aimed at saving us: safety-proofing doesn’t save us; we fight against it.
