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Patrick Jenkins (FT) suggests we should downgrade cash ISAs to encourage 'more economically productive behaviour' by which he means investing in shares, arguing that this is what has enriched the US' middle classes.

So, he might to ask why people don't choose to trust the financial services sector on share holding?

and then, he might wonder what that real result in the US has been; inequality & exploitation.

Rather than take away peoples' choice perhaps what's behind the choice?