Love this. The term Sludge is a great one.

Sludge highlights how companies and organizations can and are taking advantage of innate consumer traits and fallibilities, such as inertia and inattention, knowing that they can profit from consumers’ weaknesses and biases.

Regulators are realizing the need to act as a type of “behavioral economics police” to protect consumers from a deluge of sludge.

From: Sludge Detectives: The “BE Police” Take On Hotel Booking Sites – Behavioral Scientist