Skip to content
SeriesPart 2 of 5

The pension that enrolled itself

Automatic enrolment is the revolution's great success. It is also its only one.

People crossing a sunlit concrete hall
Morning light in a concrete hall, Lisbon. Photograph: The Unreasonable Human

In the studies we have, the effect is modest, reliable and almost entirely ignored by the people it describes. Institutions know all this, of course, which is why the last biscuit is so rarely left to chance. The mind that evolved for small groups and immediate dangers is now asked to manage a pension. It does its best. Ask most people why they did what they did and they will give you a reason; ask them again a week later and the reason will have quietly changed.

The ordinary case

Pale pink blossom on thin branches in front of a raw concrete wall
Blossom against a concrete wall, Lisbon. PLACEHOLDER — replace before launch

The remedy is rarely exhortation. It is a change to the situation so that the easier choice is also the better one. Notice how rarely anyone is argued out of the last biscuit, and how often they are simply moved past it by a change in circumstance. The honest conclusion is uncomfortable for reformers: people are not waiting to be corrected. The textbook treats kindness as a preference to be revealed. In practice it is a story we tell ourselves after the fact.

There is a version of this essay that ends with a policy prescription. This is not that version; the mechanism is interesting enough on its own. The lesson is modest. Build for the person who exists, not the one in the model. The strange thing about the last biscuit is not that it exists but that it works, most of the time, for most people. The evidence here is thinner than the confident commentary suggests, and the honest position is a shrug with a direction of travel.

NudgesEconomics
Alina Petrova
Alina Petrova — Editor-in-chief

Alina Petrova is a Year 12 student preparing to apply to university, and the founder and editor of The Unreasonable Human. She reads across psychology, economics, behavioural science and neuroscience, and writes about the gap between how people are supposed to decide and how they actually do.

Follow
Read next

More on how we decide

All essays →
People crossing a sunlit concrete hall
Ideas

Rationality is a human endeavour

Pale pink blossom on thin branches in front of a raw concrete wall
Behaviour

Why good people make bad decisions

Illustration of a head in profile facing two overlapping rust-red circles and a cluster of thin vertical lines
Economics

The price of being kind

Ideas worth reading. Every week.

Essays, data and ideas on economics, rationality and why we do what we do.

No spam. Just thoughtful ideas.