In the quiet corners of Dhaka’s living rooms, a new kind of ghost is haunting the middle class. It isn't the ghost of what has been lost, but the ghost of what we are too afraid to see. As we navigate the economic turbulence of 2026, a peculiar psychological phenomenon has taken root in our society. I call it FOFO—the Fear of Finding Out. While the skyrocketing prices of eggs and onions make the headlines, the most dangerous inflation isn't happening in the kitchen; it is happening in our minds. We are collectively choosing to look away, and according to recent scientific data, this "blindness" is doubling our risk of mental collapse.
To understand FOFO, we must first look at the groundbreaking work of Dr Hossain Zillur Rahman. In the PPRC-BIGD Rapid Response Survey titled "Livelihoods, Coping, and Recovery during Continuing Challenges", Dr Rahman introduced a chilling term, the "Silent Crisis".
Unlike the extreme poor who might stand in TCB truck lines or seek public aid, the Bangladeshi middle class, the "Vulnerable Non-Poor", suffers in total invisibility. They are the ones quietly reducing their protein intake, cutting back on milk for their children, and depleting lifelong savings. Why is it "silent"? Because of social stigma. To admit struggle is to admit a loss of status. This social pressure to keep up appearances is the direct gateway to FOFO.
While the whole world is struggling with debt and rising prices, the water feels deeper here in Bangladesh. In other countries, economic changes might just feel like numbers in the news, but here they are felt in the gut. For our middle class, a financial downturn does more than just tighten the belt. It breaks the feeling that we are safe and shows us exactly how thin the line is between making it and falling through the cracks.
This constant state of "living on the edge" explains why so many of us have started practising a dangerous kind of emotional self-defence: we simply stop looking. Psychology explains why not knowing the truth feels so painful. When people avoid checking their bank balance, tune out economic headlines, or disengage from difficult conversations to protect their peace, they may feel momentary relief. But that relief is fragile. The problem does not disappear. It lingers beneath the surface.
Research consistently shows that the human brain copes better with certainty, even bad certainty, than with ambiguity. When reality is clear, we can adapt and plan. But when we choose not to know, the mind remains on alert. It waits. It anticipates. It braces for impact.
In Bangladesh, this quiet avoidance can become normalised. Disengaging from financial reality may feel like emotional self-defence. Yet when large numbers of citizens withdraw from information, something broader is at stake. Accountability weakens. Public discourse narrows. Avoidance becomes not only a psychological pattern but also a civic one.
So perhaps the deeper question is not why the truth hurts, but why we increasingly fear facing it. In an era of global fragility, active coping is no longer merely a personal survival strategy. It is a form of collective resilience. The truth may be uncomfortable, but turning away from it carries a heavier cost.
The PubMed-indexed research suggests that people who face the facts, even when they are uncomfortable, are more likely to retain a sense of agency. When uncertainty rises, we do not always withdraw. Often, we look for more information. In an experimental study by Christopher J. Charpentier and colleagues, published in Scientific Reports in 2022, researchers found that anxiety actually increased information seeking in response to large changes. Participants who felt anxious were more likely to gather additional information. This suggests that confronting difficult facts can serve as an adaptive way to reduce uncertainty and support decision-making.
In everyday life, this means that if you know you have only 10,000 BDT left, you can begin to plan. You can cut costs, look for extra income, or reach out for support. When the numbers are clear, fear becomes more concrete and manageable. Information turns vague anxiety into practical steps. In that sense, action becomes a psychological antidote to anxiety because it restores clarity and a feeling of control.
However, the FOFO sufferer practises the "Ostrich Effect". By burying their head in the sand, they lose the ability to act. This loss of agency is the fastest route to clinical depression. When you feel you have no control over your life, your brain shuts down. The research is clear that the mental tax of imagining the worst is far heavier than the stress of knowing the worst.
In the context of Bangladesh’s "Silent Crisis", FOFO has become a national defence mechanism. We don't want to "find out" how much our currency has devalued or how precarious our jobs are, because we feel powerless to change it. But by choosing ignorance, we are effectively doubling our psychological burden.
Breaking out of this trap requires more than just a better GDP; it requires a blend of social change and raw psychological courage. We have to start by pulling the "Silent Crisis" into the light. If we keep treating financial struggle as a personal failure instead of a systemic economic shock, FOFO will only continue to thrive. The shift begins when we stop hiding our struggle and start navigating it together.
This means we must begin to see information as a tool rather than a threat. Knowing the truth, even if the truth is that you are broke, is actually the first step toward mental health. The PubMed study proved that people who practised "active coping" by facing their numbers and adjusting their lives had significantly lower stress hormones over time. They were still stressed, of course, but they weren't defeated because they finally had a map of the ground beneath their feet.
As we move further into 2026, the resilience of Bangladesh will be tested not just by our GDP but also by our collective mental health. We cannot afford a nation of "ostriches". The silent crisis described by PPRC-BIGD is a call to action for policymakers, but FOFO is a call to action for the individual.
The truth may be painful, but it is solid ground. Avoidance is quicksand that feels like a bed until you start to sink. It is time to open the bank apps, read the news, and talk to our families about the reality of our wallets. We must "find out" so that we can finally move forward.
The risk of knowing is a temporary sting; the risk of not knowing, as the data proves, is a doubled chance of losing ourselves entirely. Let us choose the sting over the silence.