This also feeds into arguments about giving people 'best choice' defaults and the role of government. Government, in an ideal scenario, takes care of situation

This also feeds into arguments about giving people 'best choice' defaults and the role of government. Government, in an ideal scenario, takes care of situations where the individual person is likely to make a bad choice and screw themselves over because the ability to understand the problem domain is so much work that they are unlikely to make the effort. This whole conversation in this thread is basically about the nanny-state vs freedom to make your own choices, even if they're more than likely to end up in a bad situation for the end user. I think everyone is constantly trying to thread the needle on that tension in a way that is acceptable to the broader culture.