[leetcrew]

okay, I think I see your point now. it's less of a no-limit credit card paid by uncle sam and more of a contribution matching / loan combo. I do think the tax interaction is overly convoluted, but I see the core of something viable here. people can get extra purchasing power when they need it, but they still have at least a little skin in the game to discourage abuse.

I will say I'm not a big fan of using shame to gate off this benefit. my intuition is that shame alone is not enough to stop most people from seeing a way to stretch their grocery budget, if they can use it to buy anything they want. if it is effective, then that's only in proportion to how dehumanizing the experience of using it is, which is also kind of shitty.