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thomblake comments on Individual Rationality Is a Matter of Life and Death - Less Wrong
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If you have to make all those decisions yourself, sooner or later you are going to make a mistake(law of the conjunction, what is the probability to get it right every time?). The idea is to take off the burden of as much decisions as possible(at least the important ones) from the individual.
In the case of cars for example, it's much safer to just take a bus and sit down and relax.
Luckily, we have built-in mechanisms for this. By behaving rationally, we can develop good habits that will help us automatically make the right decision in the future. Aristotle called these sorts of habits 'virtues'.