In recent years, governments have become keenly interested in behavioral science; new findings in psychology and behavioral economics have led to bold initiatives in areas that involve poverty, consumer protection, savings, health, the environment, and much more. Private institutions have used behavioral findings as well. But there is a pervasive and insufficiently explored question: when is it best to ask people to make active choices, and when is it best to use a default rule, which means that people need not make any choice at all? The answer depends on a form of cost-benefit analysis, which means that it is necessary to investigate whether choosing is a burden or a pleasure, whether learning is important, and whether a default rule would satisfy the informed preferences or all of most people.

中文翻译：

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默认规则比主动选择更好（通常）

近年来，政府对行为科学产生了浓厚的兴趣。心理学和行为经济学的新发现导致在涉及贫困、消费者保护、储蓄、健康、环境等领域的大胆举措。私人机构也使用了行为调查结果。但有一个普遍存在且未被充分探索的问题：什么时候最好让人们做出主动选择，什么时候最好使用默认规则，这意味着人们根本不需要做出任何选择？答案取决于成本收益分析的一种形式，这意味着有必要调查选择是一种负担还是一种乐趣，学习是否重要，以及默认规则是否满足知情偏好或大多数人的偏好。