No, you and I don't quite agree.
It's not society's responsibility to create an incentive, and for sure and for certain it's not the responsibility of the Federal governement. It must come from within.
I hate having to say this, but the greatest creator of incentive can often be suffering. We seem as a culture to have adopted the idea that suffering should be eliminated, but in truth, discomfort seems to clarify thoughts and create energy to strive toward a better end.
Human flourishing depends upon clear-eyed and vigorously upheld recognition of this fact.
It's just like with your kids. You let them struggle a bit and stand back when they're experiencing the consequences of bad choices. They learn from some hurt, and you hurt, too. But it is right and good to not impede the process.