As you're thinking, this is a toy model of something like selling in the stock market during a rising market. Right? You don't want to sell too early, because you miss out on profits, but you don't want to wait too late to when everyone else sells, triggering a crash.
Están pensando, este es un modelo elemental de algo como vender en la bolsa en un mercado al alza, ¿verdad? No quieren vender demasiado pronto, porque pierden ganancias, pero no quieren esperar demasiado para cuando todo el mundo vende, desencadenando un crack.