People generally fear risking something they already have ($1,000.) over the prospect of gaining something they don't have ($4,000.). This tendency is reflected in:

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This tendency is a cognitive bias known as loss aversion, where people are more motivated by avoiding losses rather than achieving gains. Loss-framed messages emphasize the potential losses one might face if they do not take action, and are more effective at motivating people to take action compared to gain-framed messages.

People Generally Fear Risking Something They Already Have ($1,000