He's unfortunately right. I would like to think that slowly disbursing funds over the course of a year would help, but it doesn't. The feds have essentially u

He's unfortunately right. I would like to think that slowly disbursing funds over the course of a year would help, but it doesn't. The feds have essentially unlimited capacity to borrow, as evidenced by their constantly running a deficit. It also makes things more expensive in terms of paperwork/administrative bloat on the part of the government, employer, and consumer.