The real problem here is the budget. Content is secondary, but no more deficit. If they continue spending more than is available, they are just digging a bigger hole. Now, everything else is their way of trying to plug the gap and continue to motor on as usual. That why we have this cap on 401k, and thats why we have talks of lowering the minimal wage, ultimately new or/and higher tax rates. They are slowly cutting the branch they sit on and the music will stop eventually because its a house of cards. The focus seems to be on short term comfort with no future outlook. I remember arguing with my econ prof that a country, or an individual should avoid credit if possible and gravitate towards a surplus. If you have a surplus, then decide what to do with the cash. He called it inefficient, I call it just plain logical.
Credit is there to make the bankers rich. Seriously, load up a chart for mastercard or visa and take a look at what story it tells.
Thats why i don't use credit, don't owe anyone anything. I do have a credit card for emergency only...haven't used it 3 years or so.
Tax - call me an extremist, but I would support a universal tax rate regardless of income. You make 20k or 20m, everyone pays the same. That would be fair. IMO
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