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For a definition of 'rules' that includes heuristics, and with the further qualification of either 'quickly' or 'without putting a lot of effort into every single decision', that assumption seems pretty accurate to me - it's more that most people are more comfortable making rules of thumb for themselves, or doing semi-arbitrary things in instances where their rules don't provide the answer (and then usually making a new rule of thumb out of the arbitrary decision, if it turns out well). Am I missing something?
Sorry, I meant "verbalizable/conscious rules". When I type this words on the keyboard I don't use any conscious rules to decide how fast to move each finger. The problem is when you have to apply rules/perform conscious rituals all the time even for decisions that shouldn't matter that much.