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MENTAL MODEL · M4037

St. Petersburg Paradox

St. Petersburg Paradox
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Version 1.0.0 · Updated 2026-07-30

CORE DEFINITION

A coin-flipping gamble with infinite expected payoff, yet rational individuals are only willing to pay a small amount (e.g., 20 yuan) to play. It demonstrates that "expected value" cannot be the sole basis for decision-making. For an individual with only one life, a huge potential gain (infinite) accompanied by a high risk of total loss is meaningless. We pursue "utility" rather than "monetary amount."

SCAFFOLDING EFFECT

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Diminishing marginal utility. It proves that "expected value" cannot be the sole basis for decision-making. For an individual with only one life, a huge potential gain (infinite) accompanied by a high risk of total loss is meaningless. We pursue "utility" rather than "monetary amount."

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This paradox was proposed by Daniel Bernoulli in 1738: the game involves flipping a coin repeatedly until the first head appears, and if the first head appears on the nth toss, the payoff is 2^n yuan. The mathematical expectation is Σ(1/2ⁿ·2ⁿ)=∞, but people are only willing to pay a very small entry fee. The root cause lies in diminishing marginal utility—the satisfaction brought by each unit of wealth decreases as wealth increases. A rational person should decide based on "expected utility" rather than "expected monetary amount," which compresses the infinite expectation into a finite value through logarithmic utility.

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Source support: Explicit

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    en.wikipedia.orghttps://en.wikipedia.org/wiki/St._Petersburg_paradoxZH · Explicit
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