Okay. Your argument only becomes valid after the fact that all that money that would have been spent on things like coffee is retained. In most cases people wou

Okay. Your argument only becomes valid after the fact that all that money that would have been spent on things like coffee is retained. In most cases people would simply not have that money. Not to mention that if you have some guaranteed amount of money coming to you at some point it should be possible to get a loan using that as collateral. And I would like to see examples of forced savings where any of the supposed issues actually manifest compared to what we have now where we literally have millions of people with no savings and retirement ages that keep increasing. Almost 30 percent of households have less than $1,000 saved, MagnifyMoney finds, though the amount varies drastically by age. As of June 2018, millennials have less saved than baby boomers, because older Americans have had over three decades longer to save and larger salaries to work with. https://www.cnbc.com/2018/08/28/how-much-money-americans-have-saved-at-every-age.html https://www.cnbc.com/2018/08/28/how-much-money-americans-hav... Here's how Americans' median savings breaks down by age: Millennials (born 1981-1998): $2,430 Gen X (born 1965-1980): $15,780 Baby Boomers and older (born before 1964): $24,280 In fact I could see something like this really putting a dent on all the privilege in America where African Americans and other minorities basically have no savings... and no potential for ever accumulating any real wealth. When grandma or grandpa can send their grandson to college or put a down payment on their house or give them a business loan, that's an actual difference in people's lives.