Doing nothing feels safer than doing something, because a bad outcome from inaction feels less like your fault. That asymmetry keeps stale positions open, keeps broken rules in a plan, and keeps traders on tools they outgrew years ago.
The cost is invisible, which is why it survives. Nobody journals the trade they did not close or the strategy review they did not run.
Put change on a schedule so it does not need a trigger. A monthly review that asks what you would cut if you were starting fresh today turns inertia into an explicit, dated choice.
Related: endowment-effect, omission-bias