Yes, I am also in favor of auto-enrolled savings programs. I would be happy from a public policy perspective if we replaced the MID with some sort of automatic savings program that was difficult and annoying to opt out of (maybe intentionally overtax everybody and then stick the tax refund in an IRA by default, and require annoying paperwork to actually get your money back in cash?).
Unfortunately, that scheme would probably create an industry of folks who would do the annoying paperwork to get your money back at a fee. Not unlike today's "consumer" tax prep firms.
