First, the program designers have a good reason to believe that a portion of the population will benefit by making some change in their behavior. In this case, with many people saving little or nothing for retirement, that was an easy call. Second, the target population must agree that a change is desirable. Here, surveys indicated that a majority of employees thought they should be saving more. Third, it is possible to make the change with one nearly costless action (or in the case of automatic enrollment, no action at all). I call such policies “one-click” interventions. Simply by ticking a
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