Credit theorists claim to explain the incompatibility of luck and knowledge and also what makes knowledge valuable. If the theory works as well as they think, it accomplishes a lot. Unsurprisingly, however, some epistemologists remain unsure. Jennifer Lackey, for instance, proposes a dilemma that suggests credit theories are either too strong or too weak. Her criticism has been hard to overcome. This paper suggests a modified account of knowledge as credit for true belief that allows credit theorists to better counter Lackey’s criticism. I call my version of credit theory Risk Sensitive Credit. Under my account, an agent deserves credit just in case she believes truly on account of her reasonably accurate epistemic risk assessment. This assessment need not include higher order beliefs or even enter into conscious thought. Recent work in cognitive science, for instance, suggests that our visual faculties, in the absence of our direct awareness, work in accordance with a risk sensitive framework. This research will be referenced to help explain the dynamics of barn facade Gettier cases.
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