One would be to actually stop the advertising. We know that advertising works. That's why people spend money on it, so stopping that would actually prevent people from putting more and more of their money into it. It's also important to change the architecture. They're actually preying on your imagination. Rather than the work of buying a house, doing all the work or starting a business, it's just “imagine the freedom”, and that's a huge challenge. Getting rid of that is one.
The other is to look at how we actually take that money. We suggest moving it out of the consolidated revenue fund. One of the things we suggest is to create prize-linked savings accounts, which allow people to bet but those monies stay in savings accounts that can actually be used as a savings regime.
We know that people who have less than $250 in their accounts are more than five times more likely to use things like payday loans. We're suggesting that the state should get it out of its consolidated revenue fund, stop it being a tax and increase it being a savings vehicle for people, like they've done in France and England.