hothouse gullibility flowers
I find these thought experiments infuriating when they are used as examples of people's "irrationality". It's akin to economists thinking people are irrational for preferring receiving ten dollars now vs thirty dollars a year from now. In an uncertain world, any real world test subject is absolutely correct to be suspicious of a test program reliably running over the course of a year (especially when its business model seems to have big deal of just giving away money!) More here.
Kirk is bang on here.