. >> reporter: most members at express credit union are low income and melissa carney thinks that prize link savings accounts will particularly appeal to low income americans who spend a high share of their income playing lotteries. >> people are irrational when they play the lottery but i would challenge that assumption. if you're a low income individual, how else can you potentially win enough money to buy a house or really change your life? >> reporter: carney is an economist at the university of maryland and director of the hamilton project. she thinks she's lottery-based accounts help people save by leveraging their desire to win big. >> if you have low savings deposits, which many low and moderate income individuals do, you're only accumulating a few dollars every month or even every year. and it will take some ten years to accumulate enough interest payments on a low deposit checking account to make a down payment or big purchase. >> reporter: does prize link savings help people save more money? carney helped design an experiment to find out. >> the results were quite striking. w

learn more at rethinkbutts.org melissa: imagine a world with peace love carney and you are id to just is the proposal 8 million coins one for every swiss citizen is a publicity stunt to push the money for every one with no strings attached. we have both sides of the debate. christian and peter think you to buy the real delights the idea? >> one but just to formalize including the united states we do so in the inefficient manner to give it to the tax code filing and jeff minimum wages it'll pay livable wages into subsidized with a social safety net. imagine if we pulled all those resources and distributed them but to everyone to have a minimum in, concept. melissa: somehow i don't see it could be simplified but still we talk about utopia so anything is possible. >> you have to get the money somehow. is to very bad defect look at obamacare but for fundamentally don't give them food stamps but cash and let them do what they please however if you do that people just will not work and take that money to say this is what i will do i will go to the beach and have a good time especially young