A simple example is the "default choice" effect. The standard explanation is that people are too lazy to check a box. A more sophisticated explanation would be that people infer information from the default they are presented with and allow it to influence their decision based on their assumption that the form creator is well informed and looking out for their interests. There is in general an under appreciation in behavioral economics that people are likely being more rational than the over simplified models they are benchmarking them against. There are lots of examples of this in the most widely known results.
A trial shows that people often exhibit behavior A. Why they exhibit behavior A may be complicated.
In your example, there's a sense of authority and conforming to a norm that can be used to describe those behaviors. But there's also the cognitive barrier (which we call lazy) that requires someone to exert mental effort to change away from a default.
It's not that one is wrong and the other is right. All of these may be right. But B.E.'s best contribution to society isn't to explain so much of _why_ we act in these ways - but instead to accept that despite our desires or perspectives of rationality, we do act in these ways.
Understanding the "why" may help us to make better decisions, certainly; however, being too prescriptive about "why" may lead us down the wrong path.
There is an admirable strain in classical economics of epistemic humility: assuming that when human agents act in the world in ways that don't appear to match economic theory, it is at least as likely that the agents are acting in their own best interests and the economic theory, model or data are wrong than the reverse.
Behavioral economics tends to follow a less admirable strain of economic thought that assumes when agents don't follow the predictions of our over simplified model, it is the agents who are wrong and not the model. This is merely misguided in it's benign form but becomes pernicious when it is inevitably extended to "fixing" the agent's behavior through some form of coercion.
My criticism of BE is when it makes too strong a claim to agents acting irrationally rather than questioning where its own assumptions or models may be incomplete.
I find it somewhat useful if overly simplistic as an aid to analyzing and improving my own decisions. I dislike its use as another tool to justify telling people what to do. I also find its lack of introspection into its own flaws and limitations as a field disappointing.
Every (somewhat major) decision I'm making now, I'm constantly reminding myself of various biases and silliness that I participate in unwillingly (or even sometimes willingly).
I would say this study has been immensely helpful, and Thaler is a huge contributor to this for me. (Freakonomics, also, has been a great learning resource.)
For anyone interested in this subject, I recommend Thinking Fast and Slow by Kahneman. (You'd think I should get a referral bonus as often as I talk about this book.) It quite literally changed my life. Of course, Nudge is the other juggernaut in the field.
In fact, if anyone is particularly interested, I'd love to chat. Profile has contact details.