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...what they have. The fear is not for themselves per se, it's for their possessions (including intangibles such as image).
Look at the risks some poor will take for minimal gain. And at the other end of the spectrum, what people are willing to do to hang onto and increase what they have, long past the point where those possessions have become just a way of keeping score.
Americans as a whole are not risk takers, they have too much to lose. But that is not the same thing as what we traditionally term cowardice. Just as strapping on a bomb and walking into a crowded market is not bravery. And having nothing to lose is almost always the first selection criteria for the position of suicide bomber.
Now fear of the unknown is a basic irrational human condition, and you have to admit that despite the garrulity and ubiquity of the warnings, they are, except for the occasional real threat based upon real intelligence, (Yes Virginia...) almost all couched in terms that are vague and seemingly designed to elevate disquiet. There is no real information, just a repeated mantra, of "There is a threat. We can't actually say what that threat is, but if you don't let us stop it, you'll know all about it when it bites you on the arse. Oh by the way the old undefined threat is getting a bit stale, so here have a new even vaguer threat." I (and the vast majority of 107,528 others) think it's stupid behaviour, but that doesn't mean it isn't understandable behaviour. KKKarl, Cheney, et al bloody well banked on it.
What we all too often forget is that half of the population is of below average intelligence. (Or below average anything (including courage)). That's just the way one of the most basic axioms of statistics works. But what it means is that we halfway intelligent people (well we fight with words rather than blunt, spiky or otherwise physically hurtful objects at least.) all too often forget that a good many of our brethren will be susceptible to Nigerian Oil, Terra Terra Terra, trickle down, etc., etc., no matter how obviously stupid those ideas might seem to us. And even right in the face of overwhelming evidence, they will cling to the vain hope of "This time it is/will be different."
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