I don't think the traditional model (in the US, at least) is an ideal solution. MasterCard recently aired a commercial taking advantage of the fact that America

I don't think the traditional model (in the US, at least) is an ideal solution. MasterCard recently aired a commercial taking advantage of the fact that Americans have so much unused, paid vacation time each year. The only way for us to come up with a better solution is for people to test things out.