Couldn't this lead to unneeded waste? Let's say of that $500 30 day, I only needed $400.00 of it to cover my needs. I'm left with either the choice of paying essentially a "tax" to convert it to a longer period or spend on products I don't need. We already have a lot of consumer waste that, in part, has led to major environmental issues. I worry a policy like this could exasperate the issue.