> Not a swindle. I'm going to assume, based on this statement, that you have an education that allows you to forecast and do cost-benefit analysis. Most people

> Not a swindle. I'm going to assume, based on this statement, that you have an education that allows you to forecast and do cost-benefit analysis. Most people do not, and just hear "you will pay less". When you knowingly do this to people, it's a swindle. Yes, we do need to protect some people from bad choices, and yes, that will limit the economic freedom of the very well-educated to some small degree. That's society, baby.