Privacy rights notice friction

I received a “privacy rights” notice from a financial service provider who collects payments on a loan. They notified me that I had the right to tell them to not share my data with other financial services companies. However –

(a) If I didn’t explicitly say no, they’d assume I am supportive.
(b) If I did want to say no, I can’t just do it via my account online. No, I’d need to mail in a response.
(c) They graciously added an envelope. However, I wouldn’t just be able to drop it in the post box. I’d need to get a stamp.

I marveled at the thoughtfulness that went into adding just enough friction for me to discard the mailer and thus give them what they want.

Imagine if we all applied the same amount of thought to adding or removing friction to drive better habits/behavior.