In our hypothetical world we’re envisioning here, I think a flat multiple would be inducement enough for some. To be able to retire 3x or 4x as fast for hazardous, stressful, or highly unpleasant jobs would be very attractive for a significant amount of the population.
As for education, you could just make it so students earn for studying (rather than paying for the chance) at a low multiple, and make more skilled labour a moderate multiple.
In our hypothetical world we’re envisioning here, I think a flat multiple would be inducement enough for some. To be able to retire 3x or 4x as fast for hazardous, stressful, or highly unpleasant jobs would be very attractive for a significant amount of the population.
As for education, you could just make it so students earn for studying (rather than paying for the chance) at a low multiple, and make more skilled labour a moderate multiple.