Not sure why it didn't remain in the UI when making a post. It would be nice if in your preferences you could set your default choice, but still have the option to switch it on the fly when making a post.
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Well that's because many new minnows accidentally click on decline Payouts and because of that they got nothing from their hardwork,so to make sure that everything work smoothly,steemit made this change.
The default was 50%/50%, but if they went out of their way to choose "decline payout," that's unfortunate, but ehh, sounds like natural selection.