Please check the answer.

"Imagine that a married couple are saving to buy a holiday home in five years' time. The $100000 they have saved so far is accumulating in a savings account at 4.5 percent interest. Then their old car breaks down and is not repairable, so they need to buy a new one. They finance the $25000 cost with a loan at 9 percent. When it is presented like this, and we are not personally and emotionally involved in the decision, we can see the apparent stupidity of this decision. Clearly, the couple shoud use $25000 of their savings, which costs them only 4.5 percent in interest forgone, and deposit the repayments they intend to make on the car into the savings account. If at this point you find yourself wanting to ___________ the decision the couple made, you are probably in denial on this cognitive bias."

The above passage is from Korean highschooler's test and the answer is "defend", which I don't agree on. The other choices are 'delay' and 'criticize' and I think either 'delay' or 'criticize' should be an answer.

Please let me know how you native people think.