Doing so indeed allows coping with the so-called inaction bias, which in this case may be quite pronounced precisely as a result of the targeted, and therefore fairly visible, way these policies work. I do not think we have already reached a new steady state on this, and institutional settings may still evolve depending on further experiences gained in this field.
By the way, they now differ quite a bit across jurisdictions which is an indication that the search for the optimal set-up has not yet come to an end. Contributing to the smooth functioning of our payments systems is the third pillar on which future central banking will rest.