First of all, you're correct that everything is conditional on eligibility for the program. Given that we've worked on that, then families face two types of risks. They face risks associated with their jobs and they face all sorts of family-associated risks, be it sickness, caregiving and so on. My view is that all of the contributions of employers should fall into supporting regular benefits, and all of the contributions that workers make should go into their own accounts.
I feel this is important, because it gives people agency. Right now these accounts have layer upon layer of unanticipated needs put on them by the government, each with a whole set of regulations, making it very complicated. It's even to the point where, in the most turbulent time of a person's life, when someone close to them is dying, the government asks them to provide a doctor's note to access benefits. If you just gave them an account, it would make things a lot simpler.