That’s a really rubbish analogy. Better might be the choice between two lottery tickets for free or one lottery ticket and a fiver. I think the rational choice there is quite clear!
it is NOT IRRATIONAL it is just the statistically less likely to lead to you being richer option. It would only be irrational if you could not win the lottery and you knew this and still took the ticket over the fiver.
I would take the fiver but i would not call someone choosing differently irrational… optimistic or poor at stats maybe but not irrational.