If you revamped the payback of points so the physical aspect is removed, it would help. After all, when a farmer retires, s/he might become a teacher. It's less physical, but definitely helpful to society. (In these days of Internet teaching, it's not necessarily a very physical job at all, but still vital to society.) Maybe s/he just takes care of the grandkids so the parents can be good and productive citizens. Would that count? Your system works in the middle, but not on the ends. Is it fair to knock off grandpa because he came down with Alzheimers early on? What about babies? They're not productive in the least. At what age does someone have to be productive? If the age of work is 18, what if someone goofs off until age 19? They won't have accumulated credits, so they're on Santa's naughty list. Can you transfer credits? Maybe Joe is a saint, but his wife Jane is average. Can he give her some of his credits so they can grow old together, or is Joe going to be a widower once Jane runs out of credits? This really is a neat idea, but it needs some more thinking out. You may not want to solve the flaws, but use the story to show that no system is perfect. No, I'm not a lawyer, just a pain in the butt. ;-)