Some people don’t like the government designing programs that make the default option the right choice for most people. Because some people call that social engineering. The thing is that just because something is default, it doesn’t mean you have to choose it or that it’s necessarily right for you.

Social engineering really is not a bad thing, if the defaults are sensible and good policy.

An un-engineered policy, often defaults to the wrong option for most people. So your essentially pushing people to do the wrong thing, which is not good government policy. Many social engineering policies are widely accepted, and exist through out society, though they are often not explicitly called social engineering.