求助～～！两道相似的PREP逻辑题

Eleanorrr

这是第一个！！

In order to improve the long-term savings rate of its citizens, Levaska’s government has decided to introduce special savings accounts. Citizens can save up to $3,000 a year in special accounts without having to pay tax on the interest, unless they withdraw money from the account before they reach the age of sixty-five. If they do withdraw any money before that age, they have to pay tax on the accumulated interest and a penalty.

Which of the following, if true, most seriously threatens the success of the government’s plan?

• A
  
  The banks and financial institutions where the special accounts will be held lobbied hard for their introduction.
  
  
  
• B
  
  Nearly all workers in Levaska can already save money in tax-free accounts through their workplace.
  
  
  
• C
  
  For the past ten years, Levaskans have been depositing an ever smaller percentage of their income in long-term savings.
  
  
  
• D
  
  Many Levaskans continue to work beyond the age of sixty-five.
  
  
  
• E
  
  In certain circumstances, such as a serious illness, the government plans to waive the penalty on early withdrawals from the special accounts.
  
  
  
  
  答案选：B
  这是第二个：
  

  Five years ago, as part of a plan to encourage citizens of Levaska to increase the amount of money they put into savings, Levaska’s government introduced special savings accounts in which up to $3,000 a year can be saved with no tax due on the interest unless money is withdrawn before the account holder reaches the age of sixty-five. Millions of dollars have accumulated in the special accounts, so the government’s plan is obviously working.

  Which of the following, if true, most seriously weakens the argument?

  
  
  • A
    
    A substantial number of Levaskans have withdrawn at least some of the money they had invested in the special accounts.
    
    
    
  • B
    
    Workers in Levaska who already save money in long-term tax-free accounts that are offered through their workplace cannot take advantage of the special savings accounts introduced by the government.
    
    
    
  • C
    
    The rate at which interest earned on money deposited in regular savings accounts is taxed depends on the income bracket of the account holder.
    
    
    
  • D
    
    Many Levaskans who already had long-term savings have steadily been transferring those savings into the special accounts.
    
    
    
  • E
    
    Many of the economists who now claim that the government’s plan has been successful criticized it when it was introduced.
    答案选：D
    问题是这两道题题干和问法都一样：
    逻辑链：政府需要提高储蓄率-->设置免税的特殊账户要求工人存款，否则纳税作为惩罚-->政府的措施有效（CONCLUSION）
    削弱则：
    CQ1:方案的可行性-->题目1:几乎所有工人都有了免税账户则特殊账户实施也没用
                            -->题目2:很多人会把钱从一个账户转到另一个账户
    CQ2:方案的可操作性
    CQ3:方案的否定副作用
    
    
    我认为两个答案都有道理，但是题目2中的B选项说的是：工人已经有了账户所以不会用特殊账户，这不是和题目1的答案类似吗？？为什么选D呢？？
    期待大神解答！！