Okay.
Also, when someone signs up as a salaried employee, they usually agree to a certain salary, and they can actually plan to set aside money using the tax system.
I know that from the perspective of a small business owner.... It could be that something goes wrong with their equipment and suddenly what money they thought would go towards saving for something, such as their retirement, isn't there. In fact, again, after 10 years, I think that even then we still have close to 80% or so of small businesses failing.
Do you see how difficult it is for someone who works every day in their small business and is trying to make it when they see you put that out? Not wrongly, but again, in terms of saying $50,000 on this side when you're a salaried person versus when you do it in your business, you cannot say it's the same and look at how much more they have, because they are subject to so many more risks than a regular salaried employee. Do you see that there's a disconnect between the logic...?
Now, I agree from one perspective. The academic vision I understand, where you're saying it, but they are subject to completely different circumstances. Do you understand that?