" And about this 20% to 25% in prices I really don?t think so. Yes, yes I understand the math but your not taking into account the human factor, GREED in effect your telling everyone from the small business owner to Exxon and GM that if this went through by just keeping prices as they are, or maybe just a small 5% or 6% drop for show, that they would see up to 20% in crease in profits!" You're forgetting something very important. COMPETITION.
If a business does not drop prices in relation to lower costs, others will move into the market and take their share by offering lower prices. The same with an employer who doesn't increase pay for his employers, if there is a demand for that worker, another employer will hire them away. Competition in the marketplace will address all of your worries.
Trust the market, not government.
I do understand what your saying but I believe that they would only drop prices a portion of the projected 20%-25% and then very slowly to boot if it happens at all. your right when you say "trust the market not the government" but I do believe you can take it one step further in that as they say greed it just human nature.