Human "intelligence" is very dubious

When humans rent cars, their credit cards and their own automobile
insurance typically automatically cover them in case anything were to
damage the vehicle. But the rental companies push additional coverage
that not only is redundant but would cost thousands of dollars on an
annual basis. Normally, we’d scoff at such a waste of money. But then,
as the sales rep behind the counter is about to hand over the keys to
that newish Ford Taurus, he asks whether we’d like to buy the loss
damage waiver.

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See also: Sway: The Irresistible Pull of Irrational Behavior (Ori Brafman
and Rom Brafman) - Highlight Loc. 228-33