There's definitely a difference in outcomes between 1) allowing customers to opt-in to data collection by giving a them reward. In this case, the default beha

There's definitely a difference in outcomes between 1) allowing customers to opt-in to data collection by giving a them reward. In this case, the default behavior does not involve data collection 2) allowing customers to opt out of data collection by paying a penalty. In this case, the default behavior involves data collection. People usually don't bother to opt out.