I'm not going to get this exactly right, but Milton Friedman talks about different types of choice and market transactions.
The first is when you choose something for yourself paying with your own money. The next is when you choose something for someone else paying with your own money.
The absolute worst situation is when someone chooses something for someone else with yet another person's money. The chooser has no monetary interest whatsoever in the choice.
It’s like all payroll deductions — your money goes out the door unnoticed. Eventually, the idea that your paycheck is their personal piggy bank becomes real. And there is no accountability — the less you know, the better for them.
Interesting.