A question: If the takers aren't standing in the unemployment line or rushing home from the second job to change diapers, just where are they? Because an awful lot of America's resources have gone missing. Like money that should be going to education, job training, healing the sick, retirement funds, infrastructure and, you know--life.

Financial inclusion helps lift people out of poverty and can help speed economic development. It can draw more women into the mainstream of economic activity, harnessing their contributions to society. And it will help governments provide more efficient delivery of services to their people by streamlining transfers and cutting administrative costs.

Van Hollen puts the focus squarely on the corporate behavior that has driven down wages and crushed middle-class aspirations. His proposal would boost worker income, which drives the economy forward. When Republicans oppose this, the choice will again be clear to Americans: CEO millionaires or working families.