The late Daniel Kahneman introduced the concept of fast and slow thinking, representing two distinct cognitive systems involved in decision-making (DM). Fast thinking (System 1) operates intuitively and spontaneously. In contrast, slow thinking (System 2) is characterized by deliberation and analytical reasoning. Following Kahneman's view, called the biases view, we suggest a framework involving the interplay between two systems, the bottom-up and top-down approaches. These two approaches involve various modalities, including learning skills, perception, cognition, attention, and emotion. Accordingly, we incorporate temporal modulation, which varies based on individual differences and accounts for adaptive DM. Our overarching framework elucidates how the brain dynamically allocates resources for adaptive DM and how creative mental processes could drive it. We highlight the immense value of interdisciplinary research collaboration in progressing the empirical research of our proposed framework.