One response is to point out that most plans already have a default option that determines savings allocations. Sunstein and Thaler merely say that the default option should be set in a way that is good for people, and clearly they have an idea of what is good.
对此，一种回应是大部分退休金计划已含有决定储蓄配置的默认选项。桑斯坦和泰勒仅仅是说，默认选项应该以对人们有利的方式设置，且他们显然知道什么是“有利”。