access their wealth tax-free.

…until they pay the loan back, you mean.

Hell, loans better be tax free, it’s not income if you have to pay it back.

P.S. Some food for thought: if workers’ labor is being ‘skimmed’ by employers, making workers into a source of profit as a result, then why would a company ever downsize as a measure against financial difficulty? Why would any business ever fire anyone who’s doing their job, if worker = profit for the business?