Wicked defaults: how to overcome the dark side of choice architecture

该项目旨在调查违约和产品复杂性如何在消费者容易犯系统性错误的私人保险等环境中利用消费者。违约被用来推动个人采取有利于社会的行动，比如增加退休储蓄和加入器官捐赠名单。然而，在公司手中，违约也可以被用来利用消费者，通过鼓励选择帮助公司，但不利于消费者。该项目打算通过实验研究是否可以通过基于消费者反馈的竞争和声誉建立系统来减少剥削。

This project aims to investigate how defaults and product complexity might be used to exploit consumers in environments like private insurance where consumers are prone to making systematic errors. Defaults are used to nudge individuals into socially beneficial actions such as increasing their retirement savings and joining organ donor lists. However, in the hands of firms, defaults can also be used to exploit consumers by encouraging choices that help the firm but disadvantage consumers. The project intends to study experimentally whether exploitation can be reduced via competition and reputation building systems based on consumer feedback.