Final answer:
Jordan Baker's inclination to instinctively avoid clever, shrewd men stems from her self-reliance and her desire to keep control over her own needs and whims, indicating a distrust of those who might be clever or manipulative enough to challenge her.
Step-by-step explanation:
Jordan Baker instinctively avoided clever, shrewd men because of a combination of her experiences and her personal dispositions, including her self-reliance and protection of her own whims and desires. Cleverness and shrewdness in others threatened her control over situations and her ability to satisfy her own needs on her terms. She insulates herself from those who might outmaneuver her, instead aligning with those who play into her own game. This aligns most closely with option 4, as it hints at a distrust of those who might challenge her manipulations and strategies.