-- but i suspect the motives are different. (apparently all three plans that the previous bipartisan commission came up with involved these accounts.) my guess is that they're really there to address what happens when boomers (1) stop contributing to their iras and 401k's after retirement and (2) start withdrawing. (similarly, big pension funds like calpers.) less about "wealth creation" and more about "preventing an implosion". --
That only becomes a problem if people out live their "wealth". That only happens if they didn't save enough or the returns on their savings are too low to pay the bills and they have to start using the savings which then run out before they keel over. Probably a way to track whether that would be a problem would be to look at the average inheritance. As long as it's positive, then it's probably not a problem.
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