Like the IRA's and 401k and other retirement plans. They only work for a few that are willing to forgo current consumption for retirement. I and my siblings consist of 7. Two of us have put money in IRA accounts. The others, some of whom had higher earnings, spent everything and saved nothing. Now they complain but vote Democratic. The current BS about $1 coins strikes me, the are millions of $1 coins in government facilities which the public has refused to use. Most coin machines will not even accept them. Who really wants to carry around $10 in coins. As long a the dollar bill exists. Coins will not be accepted.