Lawmakers floated an interesting idea: hand every kid a $1,000 head start for investing through Individual Retirement Accounts. Sounds simple, right? Not quite. The way Congress structured this program turned into a bureaucratic maze—packed with eligibility hoops, account restrictions, and paperwork that could confuse even seasoned investors.

The concept itself isn't bad. Getting young people into investing early could build long-term wealth habits, whether that's traditional stocks or, down the road, digital assets. But the execution? Classic government overcomplication. Multiple account types, income thresholds, contribution limits—the kind of red tape that makes parents wonder if it's even worth the hassle.

Still, for families willing to navigate the process, that initial grand could compound into something meaningful by the time these kids hit adulthood. The real question: will this spark genuine financial literacy, or just create another underutilized government program gathering dust?