My proposal would be to have more tiers of capital gains that would incentivize long term investments. And raise the rate on short term gains. That would also reduce some insider trading if the pay off was lower short term. But I’m just an armchair economist so there’s probably some terrible consequence to this plan I can’t see.

On point 2, the individual mandate was repealed in 2018. There’s no federal penalty for not having insurance.

I’m not OP but I have a friend that was pretty miffed about it. He had the same username on several platforms and on Discord he shared the name with a couple people. One of them apparently had priority and now he has to tell people “I’m blah on x, y, and z. And on Discord I’m blah123.” It’s not the end of the world but just gives him a reason not to share his Discord.

For a platform looking to maintain and grow users, it just seems pretty shortsighted to inconvenience even 5% of users. If the rename had led to some kick ass feature I’m sure people would be fine. There just doesn’t seem to be any tangible benefit for existing users.