The increasing proliferation of new types of digital products and services (e.g., smartphones or smart home devices) means that individuals' private lives are becoming more and more digitalized. One of the most important aspects of this digitalization of private life is the use of information systems for decision-making (e.g., robo-advisors that support personal finance decisions). Using information systems to make individual decisions makes sense in most cases, but there may be reasons why individuals do not want to use or are not able to use an information system. Since many factors that...