In order to improve the long-term savings rate of its citizens, Levaska' s government has decided to introduce special savings accounts. Citizens can save up to $3, 000 a year in special accounts without having to pay tax on the interest, unless they withdraw money from the account before they reach the age of sixty-five. If they do withdraw any money before that age, they have to pay tax on the accumulated interest and a penalty. Which of the following, if true, most seriously threatens the success of the government's plan? ['For the past ten years, Levaskans have been depositing an ever smaller percentage of their income in long-term savings.', 'In certain circumstances, such as a serious illness, the government plans to waive the penalty on early withdrawals from the special accounts.', 'The banks and financial institutions where the special accounts will be held lobbied hard for their introduction.', 'Nearly all workers in Levaska can already save money in tax-free accounts through their workplace.']