The fact that the bill needed to be passed on a Saturday night with the slimmest of margins despite an overwhelming majority in the House immediately tells you that legislation is of dubious value. After all, the majority of Americans are against this bill and the politicians know it. This won't sail through the Senate, that's for sure. I am not a constitutional scholar, but my guess is this fine/jail threat for not opting in will be ruled unconstitutional. The thuggery of government has to have some limits.