Clinton's idea is flawed.

It creates too much control over families. She only mentioned requiring highschool graduation. I don't think an implanted RFID for baby will be a requirement for a few years, but there definitely will be constraints on educational choices. There have been some suggestions of requiring service before the money can be used. Couples who refuse the bond for their baby might called "negelectful" by the government.

This idea lacks accountability. Most of the impacts such as bad bonds, fraud, additional control, and payoff will be long after Clinton's reign. Clinton can create whatever paper she wants and others are left holding the bag.

This idea will create a lot of red tape and will be expensive to administer.

The payoff is expensive.

This opens the doors to all kinds of shenaigans involving the treasury, the Fed and the bankers.

The cost of education is increasing too fast for this to work for education. Inflation is much higher than the government admits. Ron Paul has cited estimates by some economists at 8%, but warns that some populations see closer to 12%.

Inflation will water down the value of the bond, perhaps making it lose money.

This puts a future heavy tax burden on baby.

Perhaps "flawed" is too weak of a word.