Why do consumers often prefer complete risk elimination over simply reducing risk? Consider this example: one choice lowers risk from 50% to 25%, while another cuts it from 5% to 0%. Surprisingly, most people opt for the latter option, even when it might not be the most logical choice. This tendency can be explained by a zero risk bias favouring certainty over rationality. It influences consumer behaviours, from buying insurance, selecting warranties, responding to free trials, and beyond. In this article, we’ll explore what zero risk bias is, why it’s