Let's first collect some observations from (behavioral) economics:

• people make mistakes
• people do not act fully rational
• people decide under uncertainty as there is no such thing as complete information
• aquiring information is costly
• people tend to be risk averse (in general)

Having read these, thought about them, googled anything that was unclear, please tell me: what constitutes "insane" behavior?

To your question:
There might be any number of reasons for buying TAT.VM over DMS.*.
The one most convincing for me would be, that the DMS.* securities are difficult to understand relative to TAT.VM.
If really understanding DMS.* takes a lot of time and an individual values time highly, it might just be cheaper for him to go with the seemingly more expensive TAT.VM asset than learning more about DMS.*

In that case, one might face a relationship like this (assuming benefits of both assets are identical):
cost(tat.vm) < cost(dms.*) + cost(information)

It would then be perfectly understandable to buy Tat.vm instead of dms.*