I believe you. If you know it influenced you though, that means you didn't ignore it or not even realize you could change it, which is the idea I was replying to.
Again, it would be surprising if it didn't matter at all, but not unimaginable. What you're saying is that almost everybody in your company would have contributed a lesser amount if not for the default. It means you can all afford to give up $20k or whatever in income this year. There are other factors.
There is no truth to the matter of "whether defaults change behavior". This thread started about 401ks and then was taken into color preferences on the web. If someone has a gun to their head is asked if they want to die, I'm sure we'll agree that whatever the default is doesn't matter. Whether defaults do anything depends on what we're talking about. Nudges might work in web ux but not economics, why is that so incredulous?
Again, it would be surprising if it didn't matter at all, but not unimaginable. What you're saying is that almost everybody in your company would have contributed a lesser amount if not for the default. It means you can all afford to give up $20k or whatever in income this year. There are other factors.
There is no truth to the matter of "whether defaults change behavior". This thread started about 401ks and then was taken into color preferences on the web. If someone has a gun to their head is asked if they want to die, I'm sure we'll agree that whatever the default is doesn't matter. Whether defaults do anything depends on what we're talking about. Nudges might work in web ux but not economics, why is that so incredulous?