These are all stupid ideas. The major issue of US economy is the lack of savings, either at the government level or at the household level. As a result, it has to run huge government deficit and trade deficit (as a result of trade deficit, saver countries like China can invest in US, although mostly in government bond at the moment to make up the lack of US saving).

Any policy to reduce savings or to punish savers would only kick the can down the road and create longer term issues. We need to encourage the savings and reward the savers…something the market is trying to do but the government won’t let it.