(B) is correct because the passage tells us that risks associated with airline travel are typically considered involuntary even though the passengers chose to travel by plane (lines 25-28), and the focus of policy experts are on aggregate lives, so individual decisions are large roy irrelevant (lines 11-12). (D) is incorrect because the author argues that policy should be guided by a better understanding of factors that underlie judgments about voluntariness rather than simply one's decision to partake in an activity that bears certain risk.