Box#1 is a clear winner, because you have 100% Freedom of Choice.
Box#4 is a clear loser, because you have 0% Freedom of Choice.

Now, let's take current example of Fed & U.S. Treasury about to spend more than 1,000,000,000,000 (One Trillion) of US tax payers money to bail out big banks & other financials on Wall Street. Sounds familiar???? Box#4.....

God Bless America....