In countless contexts, the government, or some private institution, must decide among three possible approaches: Give people the opportunity to opt in; give people the opportunity to opt out; or require people to make some kind of active choice. For example, an employer may say that employees will be enrolled in a pension plan only if they opt in. Alternatively, it may automatically enroll employees in a pension plan (while allowing them the opportunity to opt out). Or it may instead tell employees that they can’t start work unless they say whether they want to participate in a pension plan.As one of the legions of people suffering from "decision fatigue," I am a great fan of opt-out clauses. Please, let the thing that will probably be best for me happen without my being involved at all:
Much of the time, sensible people choose not to choose.