Loss aversion-induced exploration disrupts reward maximization in humans

Poster No:

1063 

Submission Type:

Abstract Submission 

Authors:

Wen-Wei Lin1, Ming-Tsung Tseng2

Institutions:

1Graduate Institute of Brain and Mind Sciences, National Taiwan University College of Medicine, Taipei, Taiwan, 2Graduate Institute of Brain and Mind Sciences, National Taiwan University, Taipei, Select Region

First Author:

Wen-Wei Lin  
Graduate Institute of Brain and Mind Sciences, National Taiwan University College of Medicine
Taipei, Taiwan

Co-Author:

Ming-Tsung Tseng  
Graduate Institute of Brain and Mind Sciences, National Taiwan University
Taipei, Select Region

Introduction:

Reinforcement learning requires individuals to balance exploring uncertain options with exploiting predictable ones to link decisions with outcomes. In everyday life, choices often involve both reward and punishment, highlighting the need to understand how these learning processes interact to guide adaptive behavior. When a choice in punishment learning is also associated with reward learning, reward associations may suppress exploration and impair punishment learning, especially in individuals with a strong positivity bias. Conversely, punishment associations may enhance exploration in reward learning, disrupting reward performance in loss-averse individuals. This study aims to characterize the interaction between reward and punishment learning in humans.

Methods:

In three experiments (n = 87), participants completed a probabilistic instrumental learning task with binary choices during 3T functional MRI scanning. Some choices focused on reward or punishment learning, while others involved both. Participants were instructed to maximize rewards (monetary gain) and avoid punishment (monetary loss with painful stimulation). Loss aversion was assessed using a separate risky decision-making task. Computational modeling was applied to examine whether choice behavior reflected loss aversion.

Results:

We found that when choices involved only one type of learning (either reward or punishment), reward learning entailed less exploratory behavior than punishment learning, indicating a more exploitative strategy for reward maximization and a more exploratory approach for minimizing punishment. However, when both types of learning were involved, reward learning performance (but not punishment learning) declined, with the magnitude of the decline depending on the size of potential losses. This decline was further predicted by increased exploration linked to punishment associations in reward-learning choices, as well as enhanced BOLD responses in exploration-related prefrontal regions observed in functional MRI. Additionally, individual loss aversion predicted the extent of increased exploration.

Conclusions:

These findings suggest that when a choice involves both reward and punishment learning histories, increased exploration driven by punishment associations may disrupt the optimal exploration-exploitation balance necessary for effective reward learning, leading to reward maximization failure. In this context, loss aversion plays a key role in shaping choice behavior.

Higher Cognitive Functions:

Decision Making

Learning and Memory:

Learning and Memory Other 2

Modeling and Analysis Methods:

Activation (eg. BOLD task-fMRI) 1

Keywords:

Computational Neuroscience
FUNCTIONAL MRI
Learning
Pain

1|2Indicates the priority used for review

Abstract Information

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Please indicate below if your study was a "resting state" or "task-activation” study.

Task-activation

Healthy subjects only or patients (note that patient studies may also involve healthy subjects):

Healthy subjects

Was this research conducted in the United States?

No

Were any human subjects research approved by the relevant Institutional Review Board or ethics panel? NOTE: Any human subjects studies without IRB approval will be automatically rejected.

Yes

Were any animal research approved by the relevant IACUC or other animal research panel? NOTE: Any animal studies without IACUC approval will be automatically rejected.

Not applicable

Please indicate which methods were used in your research:

Functional MRI

For human MRI, what field strength scanner do you use?

3.0T

Which processing packages did you use for your study?

SPM

Provide references using APA citation style.

not applicable

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