> I wouldn't trust anyone with the power to set the default This is why Americans don't have health insurance by default :) In other countries these defaults

> I wouldn't trust anyone with the power to set the default This is why Americans don't have health insurance by default :) In other countries these defaults are setup by union, politicians, NGOs, interest organizations, etc. I think you have a fair point though: you can't easily create trust -- nor can you easily build up a system of such defaults. It takes time. For example: In Denmark there is no legal requirement that your employer pays into a pension scheme. Yet, almost all employers do, negotiated through unions etc. And when you get a job the usually setup a default contribution from you too, which you can tweak/reduce if you want to -- most people never touch it.