EXTENDING PROSPECT THEORY TO EVENTS WITHOUT STATED PROBABILITIES: When We Choose Without Numbers—And Still Feel the Weight of Risk

Some choices come with numbers.

Clear odds.

Stated chances.

Probabilities printed on paper,

offering the illusion of certainty.


But most of life doesn’t work that way.


We choose in fog.

We act without knowing.

We face situations with unknown likelihoods,

and still, we must decide.


No probabilities.

No statistics.

Just hunches, fears, and intuitions

that whisper through the noise.


And yet—

our minds do not go quiet.

They fill in the gaps.

They weigh, they fear, they hope.

Even without numbers,

we still feel risk.


This is where prospect theory stretches—

beyond the measured,

into the murky,

into the deeply human space

of subjective uncertainty.





When the Probability Is Not Stated—But Still Felt



Imagine you’re told:

“This might happen.”

No number. No odds. No chart.


And yet—

you feel something.

A risk.

A possibility.

A weight.


This is decision without stated probability—

where the mind supplies its own estimate,

its own story.


And just like in classic prospect theory,

the same patterns emerge:


  • Losses feel heavier than gains.
  • Rare events are overweighted, especially if they’re vivid.
  • Certainty, or even the illusion of it, pulls our choices in disproportionate ways.



The structure holds,

even when the numbers don’t.





The Mind as a Probability Generator



We do not need a number

to feel a chance.


Our minds are natural generators

of likelihoods—

fueled by memory, story, emotion.


We recall the rare car crash we once saw,

and suddenly that risk feels large.

We think of someone who succeeded against the odds,

and our hope begins to swell.


These judgments are not precise—

but they are powerful.


And prospect theory adapts:

not requiring stated probabilities,

but still capturing

how we twist, bend, and feel

the space between possibility and belief.





Pseudo-Probabilities and Emotional Weight



When probabilities aren’t given,

we make up our own.


They may not appear in numbers,

but in feelings:


  • “This seems risky.”
  • “That feels like a long shot.”
  • “I just don’t trust it.”



These are not errors.

They are expressions

of how we carry uncertainty

in emotional terms.


And prospect theory,

even without numbers,

maps this beautifully.


It understands

that humans decide with weight, not frequency—

with feeling, not formula.





Why This Matters



Most real-world decisions

do not come with a spreadsheet.

They come with ambiguity.

Complexity.

Emotion.


Extending prospect theory into this space

makes it more honest.

More useful.

More compassionate.


It gives language

to the way we actually live:

choosing between unclear risks,

estimating without evidence,

hoping, fearing,

and still moving forward.





A Closing Reflection



If you are making a choice

and no one has told you the odds—

pause.


Ask:


  • What does my body believe about this risk?
  • What past stories are shaping what feels possible?
  • Am I overweighting danger
    because of how vivid it feels?
  • Am I chasing a gain
    because of how vividly I want it?



Because even without numbers,

you are weighing.

And the weight may be uneven—

but it is real.




And in the end, extending prospect theory to events without stated probabilities

reminds us

that uncertainty doesn’t require math

to move us.

We judge. We feel. We choose—

not with perfect calculation,

but with deeply human intuition.

And when we notice how we bend

the unknown into shape,

we do not become more certain—

we become more awake.