Experience with what? A sudden 20k windfall? This will create an industry that is centered solely around milking 30 year-olds for every penny they're worth as

Experience with what? A sudden 20k windfall? This will create an industry that is centered solely around milking 30 year-olds for every penny they're worth as soon as they turn 30 and then drop them like a hot potato. This will drive up prices immensely because there's a continuous stream of people turning thirty and your hard-earned 20k is worth the same as their 20k that just fell from the sky. It's a completely insane idea, and it doesn't solve any problems. When the 20k is gone, it's gone. It's precisely the people who need it the most that are the least likely to stuff it in the bank.