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A Critique of Functional Decision Theory

I am deeply confused how someone who is taking decision theory seriously can accept Guaranteed Payoffs as correct. I'm even more confused how it can seem so obvious that anyone violating it has a fatal problem.

Under certainty, this is assuming CDT is correct, when CDT seems to have many problems other than certainty. We can use Vaniver's examples above, or use a reliable insurance agent to remove any uncertainty, or we also can use any number of classic problems without any uncertainty (or remove it), and see that such an agent loses - e.g. Parfit's Hitchhiker in the case where he has 100% accuracy.