This, they believe, is better than the current typical default option of putting individuals’ money into money-market funds. But it may be worse: coordinating everyone into risky asset investments may be more dangerous than coordinating them into boring investments like money-market funds.
那么，这就是问题的根结。通过选择默认选项，政府或雇主助推了所有雇员选择流行的时尚，比如“以长期视角买入股票”之类。他们认为，这要比当前的典型默认选项——把钱投向货币基金要好。但事实可能正好相反：把所有人都协调进风险资产投资可能比将他们协调进货币基金之类的呆板投资更危险。