Oh Boy Obama!

The debate regarding our health care and life after retirement has been stuck in a rut. It seems as though you're damned if you do spend, and the economy is damned if you don't.
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Aside from the unfortunate abuses and liberties taken by lenders and the corporate elite, parts of our fiscal policy that are seemingly "sound", aren't as stable as they need to be. American industry at home and abroad no longer dominates like it once did. Yet, our policies for health care and pensions place the burden on the shoulders of these companies, forcing them to seek cheaper labor and tax breaks in order to meet some of these demands.
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My proposal is very simple, and I believe that it could bring about positive change in many ways, for many people. The plan relies on existing technology and it would be even more efficiently executed with technologies that will be on the market within the next few years. These "devices" are credit cards, RFID tags, wifi, 4G and cloud computing based hand held devices.
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If you took the average consumer and mapped their spending habits over the course of 1 year, their disbursements would touch upon nearly every industry in existence. If we could then in turn receive a contribution from those companies to a federally controlled (or private) trust; our health care and pensions costs would be shared across industries and individual companies in a more even manner.
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An exact formula for this doesn't exist, however it could follow upon an AMEX points based system. If the idea was to ever mature, we may find a need to cap the maximum a company would be asked to contribute to an individual, or there could a limited positive sine curve function applied to it. This would encourage consumers to continue to spend with a very direct incentive for doing so. It would also lower health care and pension costs on individual companies that participate in this program (it could be a "adoptable" program with a future forced inclusion date). It would encourage consumers to perform non-paper based transactions. Helping to ensure that taxes are more fairly collected, thus improving the efficiency and capability of our financial system.