#FinancialEducation

A new study from the University of Arkansas reveals that stress significantly nudges people toward making riskier choices, with key differences in how men and women respond to decision-making under pressure. The findings, published in the journal Psychoneuroendocrinology, mark an important step in understanding how stress changes our judgment—a topic with direct relevance to the daily lives and financial wellbeing of Thais, especially in uncertain economic times.

At the heart of the research is a concept called “loss aversion,” referring to the well-established human tendency to fear losses more than we value equivalent gains—for example, losing 3,600 baht hurts more than the pleasure of gaining 3,600 baht. Under stress, however, this protective instinct weakens, resulting in bolder, riskier decisions. As the study’s lead author, an assistant professor of psychological science, explains, “In my own life, if I’m stressed, I’ll wait to make a decision that could have potential loss implications.” His reflection echoes a common experience for many Thai workers—such as hesitant investment decisions during periods of high job insecurity or fluctuating market conditions.

A growing number of individuals worldwide are falling prey to online “relationships” defined not by emotional support or companionship, but by a steady financial outflow—often in just one direction. Recent international reports reveal a dramatic rise in romance scams, echoing the concerns of agony columns like “Dear Abby,” where readers describe partnerships that only seem to involve sending money, not receiving genuine affection. Behind the stories are stark statistics and sophisticated scam operations that have made digital platforms a hotbed for financial exploitation under the guise of love.