Last bet on normal game usually doesn’t provide a lot of tension because it usually just waste bet however all-in bet when player is already at huge loss can give a tension too but not the same tension on the topic because there’s already a choice to take profit or continue risking.
I think many of us have made all-in bets and that is something that is very Scary ,
but I Really do it when I know I'm going to lose and that I have no other option , that is, I do it when I am already resigned, it would not Surprise me at all , but sometimes when I am like that I win , and wow that is where I say that in the game one is under any type of Possibility of doing things right and doing them the way they have to happen , sometimes the casino, its house advantage is not so bad , we Know that they can and will win but we have a very good option even if we are resigned.
Looking specifically at the part of your comment I highlighted, I want to assume that you meant you rarely (instead of really) do it when you know you are going to lose, if this is what you meant, then I completely agree with you, no one in their normal sense will see fire, and also knowing that the fire will burn him or her, still goes ahead to put his or her hand in the fire, except of course, a crawling child.
But also on the other hand, assuming that you actually meant what you said, like you really do go all in only when you are sure you are going to lose, then to be honest with you, that makes no sense to me at all, I personally will do all in when I am sure of winning, or the risk of losing is low, but if paradventure, I end up losing, I simply assume luck wasn't on myself at that moment and move on.