ooh, see I totally agree with canning CFT.
People on tight incomes can't afford to top them up. People on higher incomes don't because of the the money has to be released at 18. I'd love to know what percentage of people iattually pay in.
I also think that, whilst we have so many children living in poverty, we don't have the luxury of paying people to start off a nest egg. Sad but true. The money can be far better used (although the reality is that it will be used to cut the defecit, not new initiatives for child poverty)