What if there were no default option, and individuals were sent repeated, and increasingly urgent, reminders to choose an allocation if they did not choose one already. The conventional wisdom could be offered as a recommendation, along with explanations of why it makes sense, but it would not be the default.
有更好的替代方案吗？不设默认选项如何？如果不做出选择，个人将收到一次比一次紧的敦促。传统智慧可以作为一种建议，并附上为何有效的说明，但不作为默认选项。这将迫使人们执行选择。一些人会反传统智慧之道而行之，给系统带来一些多样性和活力，这是一件好事。