- Own the Risk. Keep the Reward. - Human life expectancy more than doubled in the last two centuries. This shift resulted not from a change in our DNA, but from a systematic and dramatic reduction of existential threats. For the first time in human history, we are able to live to our natural expiration date. Human biology remains hardwired for loss avoidance. Our ancient instincts still prioritize defending against a vanishing risk of death over the certain rewards of compoun