Could workers be taking the "default" option as a kind of endorsement or
certification by their employer than this particular choice is a
generally wise one?  

E.g., if my home builder made radon detectors a standard home feature
(where I could request a downgrade), I would want one.  But if there
were merely an optional add-on, I wouldn't request the upgrade.  The way
they frame the option seems to convey information about its value.
            Prof. Bryan Caplan               [EMAIL PROTECTED]    

  "We may be dissatisfied with television for two quite different 
   reasons: because our set does not work, or because we dislike 
   the program we are receiving.  Similarly, we may be dissatisfied 
   with ourselves for two quite different reasons: because our body 
   does not work (bodily illness), or because we dislike our 
   conduct (mental illness)."
                   --Thomas Szasz, *The Untamed Tongue*

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