Behavioral economists like Kahneman and Thaler show that institutional framing systematically triggers loss-aversion and status quo bias, distorting rather than approximating rational agency.

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Behavioral economists(as the subject of the statement): Researchers who study how people actually make decisions about money and choices, rather than assuming everyone thinks perfectly logically.
Institutional framing(as the cause of biased decision-making): The way that organizations, rules, or systems present choices to us—which can influence our decisions even when the actual options stay the same.
Kahneman(as an example of a behavioral economist): Daniel Kahneman, a Nobel Prize-winning psychologist who discovered that our brains use mental shortcuts that often lead us to make predictable mistakes in judgment and decision-making.
Status quo bias(as a bias triggered by framing): Our natural preference to keep things the way they are rather than make changes, even when changing would be better for us.

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