Gavra, you are making an assumption, that families have that $10 per week, per kid, to put away. That’s often not the case. A lot of people aren’t even making ends meet.
Also, 11k is a fraction of what’s necessary in the real world.
Who gets 6% nowadays? I don’t even know that 2% is easy with small sums.
L’shitascha, you have put imagined scenarios into a real world discussion.