A common error is to assume humans are rational, sentient beings.
For example, much better power deals if you switch supplier (applies to insurance too). Who switches? Small minority.
Cheaper for many city dwellers to have no car, take a taxi when need transport or hire a car if public transport inconvenient. How many do that?
I understand that the way I love bicycles is the way many people love their cars (irrationally?)
See also the three car problem in curious incident of the dog in the nighttime. Well changed from original three goat problem. There are three doors and there is a free goat/car behind one of them. You pick your door. The quiz show host then reveals there is no goat/car behind a different door. You are then invited to stick to original door or change your mind. Are your chances better switching or sticking? This probability/chance question caught out many mathematicians, tho not the then top actuary at standard life one day I put it to him when he gave me a lift into Edinburgh.
The answer is that you are better sticking to your original door. This is wrong to many people but is in fact correct.