Another alternative, or addition, to some form of compulsion or automatic saving might be to automatically enrol workers in their own workplace pension schemes.

BBC: A pensioner at a post office

If you need more time, you can request an additional four month extension by filing federal form 4868, Application for Automatic Extension of Time To File U.S. Individual Income Tax Return (downloads as a pdf) by June 15.

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Second, spending cuts should be guaranteed by budget controls with teeth in the form of an agreement that would implement automatic, across-the-board cuts if Congress fails to enact a responsible budget.

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You can get out of the automatic set-aside by going down to HR and signing a form, but nobody does, for exactly the same reason that, before, nobody signed up for even the minimum withdrawal.

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