This is the essence of intuitive heuristics: when faced with a difficult question, we often answer an easier one instead, usually without noticing the substitution.

People who are cognitively busy are also more likely to make selfish choices, use sexist language, and make superficial judgments in social situations.

Banks are run by executives, and executives protect themselves, and that does not always mean that banks are going to behave rationally.

There are domains in which expertise is not possible. Stock picking is a good example. And in long-term political strategic forecasting, it's been shown that experts are just not better than a dice-throwing monkey.

Some achieve a reputation for great successes when in fact all they have done is take chances that reasonable people wouldn't take.

If individuals are rational, there is no need to protect them against their own choices.

If you're going to be unreligious, it's likely going to be due to reflecting on it and finding some things that are hard to believe.