While I salute this idea, what Cal fils to recognize are the small business owners who are trapped. there are the people who have a self-owned business that makes in excess of $250k and they simply file as a normal citizen. Their actual take-home is miniscule, no doubt, but the business makes that amount. They have no cohoice but to be at the whims of whatever is done to them. they cannot take the amount in excess of $249,999.99 and put it in bonds, because they have to make payroll, pay the business bills, etc. What a travesty.