[jbert]

You could make it fit your worldview by:

- defining anyone who likes adventure as "not sane" in your book

- including "risk of regret over having had an unadventurous life" into your risk calculation

- just run an analogy with casinos, where the gamblers are purchasing 'fun'

Or you could explore the idea that rational choice theory isn't a set of fundamental axioms of human behavior but a (mostly successful) attempt at a descriptive theory.