https://jabinpeng.com/ideas/ Jabin's thinking Fri, 18 Sep 2026 04:38:21 GMT https://jabinpeng.com/ideas/why-complex-decisions-need-systems/ https://jabinpeng.com/ideas/why-complex-decisions-need-systems/ When the stakes are low and the variables are few, intuition serves us reasonably well. Choosing a restaurant or a route to work rarely requires deliberate machinery. But as decisions grow complex — involving many… https://jabinpeng.com/ideas/the-limits-of-individual-expertise/ https://jabinpeng.com/ideas/the-limits-of-individual-expertise/ Expertise is one of civilization's most valuable assets. Yet the deference we grant experts often rests on a misunderstanding of what expertise actually is — and, more importantly, where it stops. Expertise is not a… https://jabinpeng.com/ideas/why-incentives-shape-recommendations/ https://jabinpeng.com/ideas/why-incentives-shape-recommendations/ When we ask for a recommendation — from a doctor, a financial advisor, a salesperson, a search engine, or a friend — we implicitly assume the answer is optimized for our interests. But recommendations are produced by… https://jabinpeng.com/ideas/why-auditability-matters-in-professional-services/ https://jabinpeng.com/ideas/why-auditability-matters-in-professional-services/ Professional services — law, medicine, accounting, consulting, financial advice, engineering — share a defining feature: clients purchase judgment they cannot themselves evaluate. This asymmetry is the reason the… https://jabinpeng.com/ideas/human-judgment-in-an-ai-world/ https://jabinpeng.com/ideas/human-judgment-in-an-ai-world/ Artificial intelligence now drafts contracts, reads radiographs, screens résumés, prices insurance, and recommends sentences. The question this raises is often framed as a contest — human versus machine, who decides… https://jabinpeng.com/ideas/open-architecture-versus-closed-distribution/ https://jabinpeng.com/ideas/open-architecture-versus-closed-distribution/ Every industry that connects producers to consumers through intermediaries faces the same architectural choice. Should the channel be open — a neutral conduit through which any qualifying product can flow, chosen on… https://jabinpeng.com/ideas/why-family-protection-is-a-system-not-a-product/ https://jabinpeng.com/ideas/why-family-protection-is-a-system-not-a-product/ Ask most households how they protect their families and they will name purchases: a life insurance policy, a health plan, an emergency fund, perhaps a will drafted years ago. Each is real and each matters. But the… https://jabinpeng.com/ideas/what-scientific-thinking-can-teach-us-about-financial-decisions/ https://jabinpeng.com/ideas/what-scientific-thinking-can-teach-us-about-financial-decisions/ Science is not a body of facts; it is a method for being less wrong over time. Its core moves — form hypotheses, demand evidence, quantify uncertainty, seek disconfirmation, control for chance, update on results — were… https://jabinpeng.com/ideas/why-second-opinions-improve-major-decisions/ https://jabinpeng.com/ideas/why-second-opinions-improve-major-decisions/ The practice is ancient and the logic is modern: before committing to something consequential — a surgery, a merger, a career change, a legal strategy, a large investment — get another qualified mind to look at it…