I'm guilty of not reading this paper in any detail but it feels that the default setting "nudge" idea should work as described. So if you e.g. nudge people by setting up a pension plan by default (that they can opt out of) does that seriously fail to cause more people to have a pension? Or is this claiming something else?
Another similar example is jurisdictions that switched to assuming an individual consents to organs donation when they die, rather than having an opt-in system, see much higher rates of organ donation.
