The correct answer is availability heuristic.
Availability heuristic refers to the phenomenon wherein people take mental shortcuts when deciphering, making a decision, or evaluating certain information. In this instance, after Jerome saw a tv special on psychology in which most of the psychologists interviewed were middle-aged males, he likely associated psychologists and psychology professors as being male and middle-aged. Due to this, when Jerome took his first psychology class, he was surprised to find that his professor was a young female rather than an older, bearded male.
They don’t have enough money to pay for medical supplies and such
I believe the answer is: Jeopardy
jeopardy refers to the act of putting an individual in harms' way. The punishment given to the researchers for a conduct of jeopardy depending on the severity of their action along with whether the researchers knowingly create the jeopardy or not.