Excerpt: That is why many on both sides are exploring an alternative known as 'add- on' accounts that attach savings accounts to Social Security, but do not divert payroll taxes to do so. The question is, however, how to pay for these accounts. 'The whole idea is that you want to preserve Social Security as an antipoverty program and provide an added incentive for lower-income people to salt away resources,' said David Richardson, a former Treasury official who helped design the 'USA'[.]