There's no doubt about that. But when a dollar charges up 10ยข in less than 10 days, it's pretty hard to be able to say, okay, we're going to implement the following policies, so that they're immediately going to have a significant benefit to a company, because they're not.
Even the research dollars we're talking about, even if you make them fully refundable, you still have to put them out. At the beginning you have to see what the product is going to be, and then you're going to get that refund back at the end. You still have to make those investments, and if companies aren't making a profit, they're not going to be able to do science and research because they don't have that money to begin with.