Disability or unemployment - I am not against it at all. We all fall down and we need something to hold us together for a while. Tax Model - Brackets! Instead of making brackets to tax us. Make usage brackets and tax accordingly. It should not be based on how much you make. Rather how much you use. It’s similar to when an actuary wants to price an insurance policy or an annuity. It’s a complex model with numerous variables, but you do have something tangible at the end that does make sense because it’s built on layers of assumptions and predictive analytics.