> Suppose your lifespan was potentially 1 trillion years, how low would your risk tolerance need to be?

Depends what your quality lifespan is. If I get sick of everything, that time isn't worth much.

There's also a "time-value" of life.

Cool stuff I can do today may be worth a lot more to me than things I can do 500B years from now. Especially since the person that would be doing them is someone I cannot identify with at all.

I don’t think most peoples 25 year old self can really identify what their 85 year old self will be like. Yet saving for retirement isn’t just about them some time in the future it’s about making you feel better now.

> I don’t think most peoples 25 year old self can really identify what their 85 year old self will be like.

Yes, and I believe this is a reason why people make choices that adversely affect their 50 year old self. Who's that guy in the future going to be? Why should I care about making it better for him?

You could say the same thing about people drinking heavily only to wake up the next day with a massive hangover. So it isn’t the differences between them that’s causing people to screw over their future self.

I can't comprehend 1000-year-from-now me. I don't think I would take many actions to improve life for 1000-year-from-now me even if I knew I could live millennia. Doing so does not buy me any comfort today and does not let me "give" to any person that I identify with or recognize as part of me.

I can imagine time scales on a par with how long I've lived and to a lesser extent to the ages of people I identify with.

(500 year from now me would see the first paragraph as exceptionally foolish... and also inevitable. But that fact doesn't change the truth of what I'm saying).