What could possibly go wrong? 

I haven't read much on this, so I'm no expert and it would be nice to hear more from anyone who is in the comments section, but this just looks to this layman as another way to draw money out of another one of our social safety nets in the name of "personal responsibility." Romney said this would "make the system work better by giving people responsibility for their own employment opportunities." That's rich since they don't have much control over those "opportunities" if there are no jobs to be found in the first place. Not everyone's got a rich family and the "opportunity" to become some multimillionaire vulture capitalist like our friend Mitt here did. Some of us have to make money the old fashioned way, like actually working for it.