Healthcare.gov and Human Nature

It's an unfair generalization, but when I look at the traffic that took down a defective healthcare.gov website on its first day, and the traffic that came close to doing the same on the last day of open enrollment, I can't help but wonder if there's a component of human nature that silently instructs us, "If you can't do something at the very first opportunity, you might as well put it off until the very last minute."