It is the captain mentality
I absoutely agree with this statement.
And don't believe that there is enough emphasis on it in the PPL syllabus.
I was lucky, I learned at a good club where command decision making was promoted heavily and I remember refusing an instruction from the examiner on my GFT when he asked me to demonstrate a stall at 1,500', above a power station
He did say afterwards that he expected no less of me!