Why has technology created an inverse incentive when it comes to financial decision making?

Technology has created an inverse incentive when it comes to financial decision making, according to the first-year-end report by Common Cents Lab, associated with Duke University in conjunction MetLife Financial, because it provides a level-playing field where emotion can get the better of reason.
The lab, whose motto is “Hacking human behavior, for good” was started January 2016 with the aim of providing research and expert analysis in the field of Behavioral Economics. Their goal is using behavioral insights, observation, analysis and statistics to improve the financial well-being of low and moderate-income Americans.
Industries have been able to utilize temptation to a greater degree in the Information Age than experts originally thought and Common Cents wishes to “subtly intervene in financial transactions to give reason a fighting chance,” according to its 2016 report.