Yes, if I forgot my passport it might be a lot of money that it cost me. Maybe one day I'll forget my passport, but I rather doubt it. The exact same reasons that surgeons resist following an explicit checklist (which are terrible reasons if you're a surgeon) are perfectly fine for me because the stakes are much lower if I mess up, and in the mean time there are concrete benefits to winging it. It's a lot easier for those benefits to add up to be greater than then downside of a mistake when the mistake costs $2000 rather than someone's life.
