A rational person shouldn't rely on unseen, unconscious intuitions that could always do better by doing a cost benefit analysis or kind of... That's not true. It's important to distinguish between a world where you can calculate the risks and other situations where you can't do that. What's useful is heuristics that's robust, so rules are of thumb that have a good chance to hit as opposed to a calculation that overfits the past.
Psychologist and author Gerd Gigerenzer of the Max Planck Institute for Human Development talks about his book Gut Feelings with EconTalk host Russ Roberts. Gigerenzer argues for the power of simple heuristics--rules of thumb--over more complex models when making real-world decisions. He argues that many results in behavioral economics that appear irrational can be understood as sensible ways of coping with complexity.