Your financial environment is making decisions with you.

A financial environment is never neutral. One option is preselected, one takes fewer taps, one expires tonight, and one arrives at the moment a person is most likely to accept it.

These features do not remove agency, but they shape what agency has to work against. Looking carefully at a decision means looking at its container: who designed it, which path is easiest, where friction appears, and whose interests that arrangement serves.