Hi Mr. Tan,
Just to share this news with you, in case you missed this,
This would be good if government has excessive income, and redistribute back to citizen.
CKS
My comments
A government that takes care of its citizens will be thinking along the same lines and find this type of solution. The government should not expect the citizens, especially the lower educated or elderly, to be able to be financial wizards in finding their own solutions. These poor citizens will be at the mercy of the vultures!