As a business owner, I know that people have a strong reaction to terminology. For example, people don't like it if you charge extra for using a credit card. Offering a discount for cash, on the other hand, is ok. What difference does it make? Either way, using a credit card costs an extra 3%. But it makes a difference, someway. In retrospect, I imagine Obama regrets framing the mandate as a penalty for people who are uninsured, rather than as a tax credit for those who get insurance. Then the Republicans would've been happy about it. Wouldn't they?