Nowhere in my post did I mention "testing people." My post had nothing to do with anything like that, whatsoever.
Let's start over.
Someone asked my opinion, if they should do X.
I asked them to think about what it was worth to them.
My goal for them was to have peace of mind.
Would taking certain actions cost them their peace of mind?
That is what they needed to evaluate.
It doesn't get much simpler than that.