The scheme was first thought up in 2001 when particular inflationary difficulties took hold within the economy. In effect, too much cash was chasing too few goods and services. Clearly people were not saving additional disposable income that was available to them and the Government rightly deduced that by taking money out of the economy through savings, a number of issues could be addressed. The idea behind this scheme was a clever one. However, the over-generous nature of the scheme, devised at a time when the economy was in overdrive, could potentially provide the conditions of near bankruptcy for our economy in 2007.