Yes I do think it would be likely to end up in employees pockets for many actually, over time (but probably only for a few overnight). This is what has largely

Yes I do think it would be likely to end up in employees pockets for many actually, over time (but probably only for a few overnight). This is what has largely happened with employer pension contributions which were capped first via the lifetime allowance and then the taper down from 40k to 10k for income over 150k. Most employers now offer a cash (ie salary increase) alternative at neutral cost to the employer.