> imposing a one-year limit on most returns to reduce growing abuse and fraud. All humane social institutions rely on the ethical behavior of participants. On

> imposing a one-year limit on most returns to reduce growing abuse and fraud. All humane social institutions rely on the ethical behavior of participants. On the public side, for example, you can only have a welfare state if your average citizen will only use it in an emergency. As solidarity dissolves in the modern international and multi-cultural capitalist system, circles of social trust will shrink, so small things like this will continue to be optimized out of existence.