The libertarian part is that the employee has the right to opt out of the default option. Because people rarely move away from the default option, the employer’s paternalistic choice prevails, and we get libertarian paternalism.
这就是家长式作风部分。自由部分是雇员有权不选默认选项。由于人们很少不选默认选项，因此雇主的家长式选择会胜出，而我们得到的是自由家长式作风。这有什么不好的？