"What's the worst that can happen?" goes the optimistic saying. It's probably a bad question to ask anyone with a creative imagination. Let's consider the problem on an individual level: it's not really the worst that can happen, but would nonetheless be fairly bad, if you were horribly tortured for a number of years. This is one of the worse things that can realistically happen to one person in today's world.
What's the least bad, bad thing that can happen? Well, suppose a dust speck floated into your eye and irritated it just a little, for a fraction of a second, barely enough to make you notice before you blink and wipe away the dust speck.
For our next ingredient, we need a large number. Let's use 3^^^3, written in Knuth's up-arrow notation:
- 3^3 = 27.
- 3^^3 = (3^(3^3)) = 3^27 = 7625597484987.
- 3^^^3 = (3^^(3^^3)) = 3^^7625597484987 = (3^(3^(3^(... 7625597484987 times ...)))).
3^^^3 is an exponential tower of 3s which is 7,625,597,484,987 layers tall. You start with 1; raise 3 to the power of 1 to get 3; raise 3 to the power of 3 to get 27; raise 3 to the power of 27 to get 7625597484987; raise 3 to the power of 7625597484987 to get a number much larger than the number of atoms in the universe, but which could still be written down in base 10, on 100 square kilometers of paper; then raise 3 to that power; and continue until you've exponentiated 7625597484987 times. That's 3^^^3. It's the smallest simple inconceivably huge number I know.
Now here's the moral dilemma. If neither event is going to happen to you personally, but you still had to choose one or the other:
Would you prefer that one person be horribly tortured for fifty years without hope or rest, or that 3^^^3 people get dust specks in their eyes?
I think the answer is obvious. How about you?
The obvious answer is that torture is preferable.
If you have to pick yourself a chance of 1/3^^^3 of 50 years torture vs the dust spec you will pick the torture.
We actually do this every day: we eat foods that can poison us rather than be hungry, we cross the road rather than stay at home, etc.
Imagine there is a safety improvement to your car that will cost 0.0001 cent but will save you from an event that will happen once in 1000 universe lifetimes would you pay for it?
I don't think it's very controversial that TORTURE is the right choice if you're maximizing overall net utility (or in your example, maximizing expected utility). But some of us would still choose SPECKS.