Is just my personal opinion but no matter how many time the fact is that this feature at the end will bring more money BUT probably the third step will take back all the money in case you wanna have some benefits (in the doctor for example). Who will not invest has now the same value but in case he wants to invest in "speciality" he will suffer a loss. Basically you invest now and the investment has a sure return that will be compensate by the last feature we will discover soon, so at the end the whole economy system should be stable. My two cents.
1990-2022 Stalinorgel - https://www.youtube.com/watch?v=pV-Xppl6h8Et