By that I mean psychological framing, and there are many psychologists who talk about this, but notably Daniel Kahneman and Amos Tversky.
我指的是心理框架，有很多心理学家研究过这个问题，最著名的是丹尼尔·卡内曼和阿莫斯·特沃斯基。
Kahneman and Tversky also — and others have also talked about insurance.
卡内曼和特沃斯基以及-，很多人都谈论过保险。
As Kahneman and Tversky put it, "in human decision making, losses loom larger than gains."
正如卡尼曼和特瓦斯盖提出的那样，“在人类做决策时，损失比收益更令人担忧。”
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