The United States of America has a debt and deficit problem. Individual American investors are the pawns of Wall Street. Make U.S. Savings Bonds a competitive alternative to other investments.
Interest rates are so low, that simply being a saver doesn't work; you can't keep up with inflation. This forces millions into the investment markets.
Offer something new; something in the middle, with a rate of return of about 4 percent, and let Americans pay down our debt, and finance our deficit.