It seems really poorly thought out. It's not only a nightmare for barely-middling citizens, but for the bureaucrats who have to help people find solutions to problems like "I'm taking a month off between jobs, can you find a plan for me that only lasts a month and costs less than the fine?" I know, I'm assuming bureaucrats actually *work*, but if problems like that aren't solved there will be an agrarian revolt, with a mob that's especially infurated by the frustration of trying to find pitchforks, spades, and torches in the city of Boston.