Thanks for inserting a little reality (and humanity) into this discussion. When I read some of these comments, I realize why some of the stereotypes about heartless conservatives exist. Also, this is an open invitation to Congress to legislate in this area if this becomes an industry standard. Despite how awesome this sounds on a conservative message board, I guaran-damn-ty you the average voter will be repelled by it.
They are not heartless, they are self-righteous and stupid, if they believe all that anyone has to do is follow a certain set of rules to never run out of money or have trouble with anything in life.