题目选项分析

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?

【选项】Nearly all workers in Levaska can already save money in tax-free accounts through their workplace.