Please list some of the payroll liabilities you've experienced personally or seen with someone else.Why do you think the government has gone to this model?People are generally honest and could reasonably be assured to make good on their payroll obligations.They would have more money in their paychecks if we did not have a system where the employer is responsible for withholding paying over the taxes/401(k)s/etc.What are your thoughts on this statement? Deconstruct the statement point by point and either substantiate it with facts or refute it the same way.