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That’s okay there is no deadline to share ideas. The drawback with you instance of marginal tax system (and I realize it was simply an example) is that I personally do not want any system through which anyone who has income pays zero. I don’t like the thought of people voting with out having to contribute to the price of the companies rendered. It is wholesome for everybody to have pores and skin in the game. Secondly, I am fundamentally opposed to a system that is progressive and punishes the creation of wealth while concurrently encourages the creation of debt through tax incentives. It’s counterproductive to sound monetary advice.