Indeed, the idea of a national postal service, with a common national charging structure, remains popular.

ECONOMIST: Post Office

The number of Scots declared insolvent has fallen although changes to the fee-charging structure may have distorted the figures.

BBC: Number of Scots going bust falls

Mr Marcone believes that a micro-charging structure, where readers pay just 5p or 10p to access an article, might work.

BBC: Is free news a thing of the past?

It will also raise questions about the charging structure of online courses, which in this pioneering stage have mostly been free or low cost.

BBC: Online university giant gets bigger

Companies also need to work out a suitable charging structure.

ECONOMIST: Outsourcing

All inquiries concluded that there was a lack of competition in the provision of personal banking services, which made the charging structure difficult for customers to understand and switching accounts an uncertain process.

BBC: OFT warns banks to change or face competition probe

When viewed this way, our current 401(k) structure is only guaranteed to benefit the 401(k) plan providers charging both employers and employees various fees related to benefit and money management costs.

FORBES: The 401(k) And Our Emergency Savings Problem