[bert]

The overwithholding amounts to forced savings. Some lack the personal financial discipline to save any money at all

[Lagmeister]

You get interest on savings. This is the government having use of free money under the guise that people are too stupid to manage it themselves. Some are too stupid. Not my problem and not the problem of a free society.

[Openurmind]

Although it should be a choice, you are right on the money Bert. “Most” lack the personal financial discipline to save any money at all.