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】For the past ten years, Levaskans have been depositing an ever smaller percentage of their income in long-term savings.