Don’t people have the option to take it as a lump sum? If that is the case, presumably if they are willing to game the system to get the money they will not be particularly persuaded by a clear instruction to “only spend it on education”.
Don’t people have the option to take it as a lump sum? If that is the case, presumably if they are willing to game the system to get the money they will not be particularly persuaded by a clear instruction to “only spend it on education”.