You're surprised by something, but you don't really know what surprised you; you recognize someone, but you don't really know what cues cause you to recognize that person.
When you look at the books about well-being, you see one word - it's happiness. People do not distinguish.
Banks are run by executives, and executives protect themselves, and that does not always mean that banks are going to behave rationally.
Psychologists really aim to be scientists, white-coat stuff, with elaborate statistics, running experiments.
Organizations may be better able to tame optimism than individuals are.