I would imagine it's hard to convince people who live paycheck to paycheck to pay $3 per week on this. That's the cost of a meal at McDonald's, where many of the target market members probably get at least a meal a week.

Wouldn't it make more sense to try and get the employer's on board this program? It allows the employer to offer a more reliable compensation to the employee, and they can just pull the fee out of their salary anyway?