''The law's [Hartz IV] underlying concept, “sanction and support”, has worked in other countries. It cuts benefits for those not willing to work, but should help others to find jobs more quickly. Yet no chief executive of, say, a large bank, would do things in quite this way: bringing in a new financial product that relies on unproven technology, and at the same time merging with a shoal of smaller firms." (Quoted from article)