https://qz.com/1098078/behavioral-ec...ign=pockethits
Status quo bias
Most people are likely to stick with the status quo even if there are big gains to be made from a change that involves just a small cost. In particular, this is one of the implications of loss aversion. That’s why a nudge, such as changing the default option on a contract, can be so effective. Thaler’s research on pension programs shows that while employees can choose to opt-out of a plan, the status quo bias means once they are in it, they are actually more likely to stay put.
Governments have used this to encourage better behavior (pdf). In 2006, the US passed a law that encouraged firms to automatically enroll their employees in retirement savings plans, which they could opt out of at any time. By 2011, Thaler and a colleague estimated that 4.1 million people were in some type of automatic escalation plan and annual savings increased by $7.6 billion by 2013. In the UK, a national scheme to automatically enroll people in a personal savings plan had an opt-out rate of just 12%.
BES'e otomatik katilim hukumet acisindan dogru bir karar idi.
Syg,
Sabir ve zaman: iste benim bahadir askerlerim.. TOLSTOY
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