This hits it right on the head. Wal-mart has all the data and resources to analyze it for efficiency opportunities. Not only that, they also have have the marke

This hits it right on the head. Wal-mart has all the data and resources to analyze it for efficiency opportunities. Not only that, they also have have the marketing muscle to "brand" this program internally and make it seem appealing to their lowest wage workers. Meanwhile, the average Wal-mart worker (many of whom are actually on food stamps and struggling to get by) has none of the resources or education or even time to properly evaluate this deal. No single mother with a high-school level education holding down 2 jobs to feed her family is going to have the time to properly discount the statistical increases to risk of injury; vehicular accidents and the subsequent insurance premium increases; the myriad of vehicle-related depreciation costs; the fuel consumption implications; the increased risk of encountering crime; etc. Ultimately, the power and incentive structures at play here are inevitably going to lean toward exploitation in the absence of protections being built in to the program.