Agency
There are institutions, professionals and organizations that would like you to believe that you don't have much choice in the matter.
They want to take away your agency, because it makes their job easier or their profits higher.
But you have more choice than you know.
More ability to shop around, or to skip that procedure altogether. More rights to read the fine print or not sign that document at all.
Mostly, the agency to say yes and to say no, to choose your own course, to not do what everyone else is doing.