I agree with you, ilr. But let's be honest -- the incentives have to be there. There are a lot of busy, disinterested, uneducated, distracted, unmotivated and/or foolish people out there. Telling someone "if you didn't buy that new car, you wouldn't be dying from diabetes right now" isn't going to help much. We need a plan that is simple and provides the right incentives.
I know you probably want details, but I'm too busy, disinterested, uneducated, distracted, unmotivated and foolish right now.
