Yes. If it were mandatory and if there were some guarantee around it, then I think there would be more people who'd feel confident in opting in to it. Obviously, if it's mandatory, they don't have to opt in, but if there was more guarantee around it....
This is like insurance in case any of these things happen. When they're signing up, nobody knows whether they're going to need that health insurance, and there are other avenues to get that kind of insurance.