Suppose that you are trying to decide whether to buy tomatoes or cucumbers in a grocery store. You think about the wide variety of recipes that use tomatoes, compared to only a few recipes that use cucumbers. You are using:.
a. the representativeness heuristic.
b. the anchoring-and-adjustment heuristic.
c. the availability heuristic.
d. the confirmation bias.

The availability heuristic.

Explanation:

The availability heuristic is a mental short cut heuristics. Our mental status believes in different strategies. By these strategies, a person makes a different decision based on availability heuristics. This is the mental short cut that makes you different and makes a decision based on this information.

But it is not sure that it will work for every decision. It works every time. It can be wrong sometimes. There are different types of mental heuristics that work for the decision making but availability is one of them on the bases we make the quick decision.  

answer: stupidity. they should wait till they can get reward money.