A lot of administrators and paper pushers are not going to be happy. Maybe one way to fix it is daily direct deposit. That would keep the paper shufflers quit

A lot of administrators and paper pushers are not going to be happy. Maybe one way to fix it is daily direct deposit. That would keep the paper shufflers quite busy and cut back on scams and foolishness. I would be moderately amused at an idea of modification of the IRS tax code WRT gifts and being able to delegate my income. I am doing really well financially right now, so just give my $10K to my mom as a tax free gift. If you don't make it tax free lets be realistic I'll just avoid tax codes anyway. $10K would mean a heck of a lot more to her than to me. I suspect when my kids enter college if the whole scam hasn't collapsed by then, they'd find my share plus my wife's share plus maybe auntie's share to be quite handy. Currently you could run into IRS issues WRT taxable income if many family members start gifting one college student. (edited to add, I just thought of one problem with delegation: What boils down to extortion, and probably blackmail. You'll know everyone will be vulnerable.)