@Gargron @aral Mandatory in Belgium and France: in Belgium you have to prepay taxes with at least 11% of your gross salary. It’s good to have that possibility, but on the other side, does it mean that we aren’t free to do what we want with that part of our money that should only become gov money 1 a year? I see it like “It’s your money, but you manage it poorly. So de we, but we have unlimited credit from the bank!”