Also, even though this may be legal it strikes me as morally sketch. Enough so that I am back here an hour later to relate how much it bothers me.

I applaud your ability to work through the regulatory environment, but I hope this endeavor fizzles.

I want an adult populace that saves because it is the sensible thing to do, not because it is a game. Educate, don't trick and skim from, people.