Our Approach to Risk Differs Dramatically — Even Within one Family

Our Approach to Risk Differs Dramatically — Even Within one Family

Karen Gross 02/05/2020 7
Our Approach to Risk Differs Dramatically — Even Within one Family

In this time of a pandemic and uncertainty of every sort and in every corner of our existence, we need to determine risk at the global, national, regional, local and personal levels.

I want to focus here on personal risk taking. And, I can state my conclusions up front: people are very different in calculating and acting with respect to risk and even when some folks seem over-cautious and others too cavalier, we need to recognize that in time of great stress and abundant things out of our personal control, folks will react differently; and, we need to be considerably more tolerate than we might otherwise be of people’s behaviors, most especially those who live with us.

Different Types of Risk Takers

To elaborate, let me give some examples and then turn to explanations. There are folks in today’s world who wash their hands multiple times a day, even when they are not coming and going from their home. (Not talking about OCD here). There are folks who spray down every food item that comes into their home. There are folks who wear gloves (a new set) when they are outside and they carry their own bottle of disinfectant, spraying as they walk. There are those that won’t get in an elevator, even if no one else in there. Pushing buttons feels risky. They are people who won’t even think about flying or taking a train or getting on a subway/Metro or a bus or into a taxi. (Forget here about the confounding issues for those healthcare workers who must take public transportation to get to work.) There are individuals who will not enter a supermarket, even if there are masks and distancing and cart wipe-downs. There are individuals who put the clothes they wear into the washer every time they come home; so, if one has a dog, one is wearing five sets of clothes a day. Oh, there are those who have their mail and packages sit untouched outside the door for 72 hours in case there are virus spores on them that haven’t yet died.

Individuals confront other kinds of risk: does it matter if their children actually attend online school? Should we send a deposit to the college our child wants to attend even though it is miles away? Should we visit aging parents so at least we see them before they pass away? Should we go to the hospital if we feel chest pain or assume it is stress or indigestion? Should we just deal with that nagging toothache and not visit a dentist? Should we quarantine a pet or a child that could have COVID, although not yet tested? Should we get an x-ray of that turned ankle or just wait and see if it is sprained as opposed to broken? There are also those who suffer from domestic violence

Almost in counterpoint, there are other individuals sitting on the opposite side of the spectrum. These folks will go to beaches; they will bike on crowded park pathways, cycling around pedestrians. They will have masks but they will be dangling around their necks loosely. They will walk their dogs and let other humans pet their dog and let their dog play with other dogs. There are folks who still have get-togethers with friends without quite social distancing as required. Some have even created quarantine communities where they live together and don’t social distance. Some folks will walk into stores without sanitizing the cart they are holding gloveless and they will carry out paper or plastic bags they will not wipe off.

We tend, whether we are on one or the other side of the risk calculus or somewhere in between to make value judgments about those who are not doing what we are doing. We are critical of those (one way or another) who act overly cautious (not in their eyes) or cavalier (not in their eyes). We tend to say: wow, that person is really taking this too seriously or this person is really not taking this seriously enough. Collectively we ask: what is wrong with person A or B or C?

How to Think About Risk

For starters, risk is very personal and is deeply grounded in our life experiences, our own internal sense of balance and our pre-pandemic approaches to risk and lack of control. So, while it is easy to view behaviors in the context of the pandemic only, we do way better if we realize that the pandemic risk behaviors are not sui generis. They are linked to previous approaches and behaviors — whether conscious or not, whether recognized or not. And, they are individualized; we don’t have — except in the broadest sense — identical risk calculi.

Next, it is useful to distinguish between two critical terms (and it is this distinction that has made a world of difference for me both in terms of my ow behavior and that of those near and dear to me): there is risk assessment on the one hand (namely calculating how risky a particular situation actually is in real terms on both objective and subjective measures) and then there is risk tolerance on the other hand (the degree to which we can and will accept risk after having assessed it to be high or low or somewhere in between- a subjective standard).

Let me explain. We actually assess risk and our tolerance— but oft times without awareness or without distinguishing between the two.

If we can differentiate between risk assessment and risk tolerance and if we can recognize that different people approach both terms differently, then we can both evaluate our own choices and those of others with greater ease. We can accept that different people will and can measure risk differently. That does not make them wrong or indifferent or overattentive. No, what it means is that we have our own individualized approaches to risk — and those are part of who we are. We are, after all, unique individuals with lots of nuances to who we are and how we got there and what matters to us. And we don’t normally (we do now) make value judgments about these differences. We tolerate folks who only wear black clothing and we tolerate those for whom bright colors are the norm. We don’t criticize those who always wait for the walk sign when crossing the road; we don’t look down on those who prefer dinner for 2 or 4 rather than dinner for 24.

Now, let’s look at food shopping in greater depth using the terms risk assessment and risk tolerance.

Food Shopping

When we go food shopping, we know there are risks but we also know that many food stores (not all) are mitigating those risks: they are cleaning the premises, they are disinfecting carts, workers are tested, workers are wearing masks and glove when they handle food, there are one-way aisles, there are limitations on the number of people in a store, and there are special hours for those more vulnerable (whether due to age or other factors like pre-existing conditions.

And, we know we can take our own precautions: we can wear gloves and masks (different kinds of masks is a whole other risk story); we can carry disinfectant and wash down the carts and the bags and every food item. We can even wipe down the car door lest someone brushed up against it and once home, we can toss our clothes in the washing machine or laundry pile.

But, there are folks who still won’t go food shopping. They don’t want to be around other people in such close proximity. The health of the store workers scares them. They don’t like the idea of the checkout with things on a countertop and they don’t like the inside of carts — especially metal ones. And, they don’t know who put the food out on the store shelves and whether that person was or those persons were healthy.

Now, there are risks to food shopping for sure. That is the risk assessment piece. And, the risks can be mitigated, not eliminated. And, in the real world, we need to accept that nothing is 100% safe. With that in mind, some folks can tolerate the risks of food shopping while others cannot. And, that does not mean that the shopper types are bad or less cautious and that the non-shopper types are too uptight or too careful. It has to do with what kind and how many risks we can tolerate — and this is where risk tolerance comes into play.

Also and importantly, we are not necessarily “consistent” as to how we both assess and tolerate risks. The person who can’t go food shopping could easily walk the street with a mask and let others pet her dog. The person who can food shop might not be able to drive long distances to a new location because of all the uncertainties along the way (where to pee, where to eat, who will be encountered).

Bottom line, we each have our own risk assessment (more objective to be sure) and risk tolerance (truly subjective). And, we need to recognize that where ever we come out on the risk assessment/tolerance scales is not a question of good or bad or right or wrong. Instead, it is a matter of what, in a pandemic world, we can comfortably live with (and live without). We are in uncertain times and uncertainty is something with respect to which we all act and feel differently. Even members of the same family, living in the same house, can have vastly different approaches to these issues of daily life — that beg for us to risk assess and determine risk tolerance all the time.


So, here’s my advice: let’s cut everyone a little slack now in these pandemic times. Let’s recognize that what feels right for one person may feel terribly wrong for another. And that’s ok. At the end of the day, we can each make our choices so we can live as comfortably as possible in a world in which our control is evaporating.

And, that’s not a bad thing to learn during a pandemic. And, it might just be one of those things that has value post-pandemic. Only time will tell on that.

Share this article

Leave your comments

Post comment as a guest

terms and condition.
  • John Gayfer

    It will be fascinating to see where we are a year from now; to see what really did work and what didn't. It's hard to know what worked or didn't work with such a strange virus.

  • Benjamin Veys

    We’re very fortunate to have your wisdom

  • Stephanie Lane

    Good read

  • Christoph Werner

    First time during this whole thing something feels like good news.

  • Oliver Callum

    I can't leave my house.

  • Patrick Larson

    This pandemic is killing me.....

  • Darrell Middleton


Share this article

Karen Gross

Higher Education Expert

Karen is an educator and an author. Prior to becoming a college president, she was a tenured law professor for two plus decades. Her academic areas of expertise include trauma, toxic stress, consumer finance, overindebtedness and asset building in low income communities. She currently serves as Senior Counsel at Finn Partners Company. From 2011 to 2013, She served (part and full time) as Senior Policy Advisor to the US Department of Education in Washington, DC. She was the Department's representative on the interagency task force charged with redesigning the transition assistance program for returning service members and their families. From 2006 to 2014, she was President of Southern Vermont College, a small, private, affordable, four-year college located in Bennington, VT. In Spring 2016, she was a visiting faculty member at Bennington College in VT. She also teaches part-time st Molly Stark Elementary School, also in Vt. She is also an Affiliate of the Penn Center for MSIs. She is the author of adult and children’s books, the most recent of which are titled Breakaway Learners (adult) and  Lucy’s Dragon Quest. Karen holds a bachelor degree in English and Spanish from Smith College and Juris Doctor degree (JD) in Law from Temple University - James E. Beasley School of Law.


Latest Articles

View all
  • Science
  • Technology
  • Companies
  • Environment
  • Global Economy
  • Finance
  • Politics
  • Society