The following picture of an advertisement in Harlem is an excellent example of targeted marketing.
Risk aversion measures how willing you are to accept a bargain where the outcome is uncertain (but potentially more rewarding) compared to a bargain where the outcome is certain (but less rewarding). Statistically, the more money a person makes, the more risk-averse he is.
Therefore, poor people are more willing to take gambles with high degrees of uncertainty, but also high potential pay-offs. Thus, a lottery advertisement in Harlem – a neighborhood popularized for its extreme poverty and high crime rates – seems well-targeted to an audience willing to take the gamble with extremely unfavorable odds.
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