You see its all to do with age really.
If you stare into the cockpit of most cirrus you will see some boring old fart well into his 40s if not 50s or heaven forbid 60s; when you are 20 or 30 you cant afford it!
Now we all know as we get older the perception of our own mortality exponentially increases with age, the fragility of our bones but diminishes with our ego.
So at 50 we need the comfort of a chute because we realise our bones will no longer take it, but we think we will never need it because we have the wisdom to stay within our personal limits. Unfortunately for some our egos increase at about the same rate as our risk aversion so we end up doing something silly.
And then there are the young with too much money and no wisdom at all. The chutes perfect for them because their bones will take it but unfortunately at least sometimes they think they can solve the problem they themseves have got into without the chute.
So amoung the boring old farts and the wisdomless youngsters some will allow their egos to get the better of them, and some will pull when perhaps they shouldnt, but you and me will forget we have a chute until we realise we really need it, and then we will pull, feel happy we did and say our thanks that we had a last resort for our ultimate nightmare.