I’m reading a book called Nudge. It’s by two economists (but don’t let that put you off). There’s lots of good stuff in the book but my fave so far are these:

 - We are all hopeless at filling in forms. Not because we are stupid, or the forms are hard to complete, but because it is boring and we are procrastinators. Yes!

 - More often than not the ‘default’ selection on a tick-the-boxes choice type thing is actually the best alternative.

I was amazed at this. My natural skepticism had led me to always pick something other than the default option. I have forever thought that the default option was the rip-off option. Seems I was wrong!

The examples in the book are about complicated stuff like choosing superannuation plans, mortgages, health insurance and the like. So I’m not saying you should blithely accept the default option but maybe don’t completely disregard it either.