There are people who I will never encounter in a restaurant.

That's because when these people go out for dinner, they go to chain restaurants. These are the tourists in New York who seek out the familiar Olive Garden instead of walking down the street to Pure.

That's fine. It's a personal choice.

But it got me thinking about the difference between apparent and actual risk, and how that choice affects just about everything we do.

The concierge at a fancy hotel spends her time...