Part of the redemption values is now effectively a tax, because many people who never redeem them. This is fine, except much of it's being scooped up by people

Part of the redemption values is now effectively a tax, because many people who never redeem them. This is fine, except much of it's being scooped up by people picking through the trash, as a disorganized benefit for the poor, which might work well but isn't designed for that purpose.