I've always taken the fact people DON'T always back in as evidence of the HUGE discount factor people apply to things in the future. You either back in or back out. Backing out is self evidently harder, more dangerous, more stressful etc. But it won't happen for at least 1h so people accept it the same way they run up credit card debts they don't need or don't deal with minor health issues until they're life threatening.