In recent years banks have encouraged their customers to save by giving incentives to join programs that automatically transfer money from checking accounts to savings accounts. For example, a bank might offer to round debit transactions to the nearest dollar, transferring the change to one’s savings account, and then boost this amount with a match up to a certain amount (“Just Save Already: Bank Gimmicks for Saving Only Sound Good,” Daily Finance, September 11, 2009). Although these programs were intended to encourage customers to save, some economists are not very enthusiastic about these programs. What reasons, both practical and theoretical, might cause some to be concerned?