David, you’re very correct in your article. I think there are a few logistic bugs with your proposal, but it’s definitely a good starting point. We’re going to have to get inventive in changing behaviors faster than economic forces require them to change. (Which, by the by, is where I think our posts differ. Yours is much more proactive with suggestions than mine, which concentrates more on analyzing the current and short-run situation.) Thanks for the comment!