The new investment scheme, "0 years old NISA" or "Baby NISA," recently proposed by the Japanese government has stirred debate as experts suggest it primarily benefits the affluent. This tax-free investment plan allows parents or guardians to invest in stocks or mutual funds on behalf of their minors, with the idea being to grow these investments over time. The controversy stems from the belief that this delegates advantages to families already in a beneficial economic stance, therefore possibly increasing the wealth gap.

In Japan, where the birth rate is decreasing and the population is aging rapidly, there's a growing necessity to secure a stable future for children. Some families view the Baby NISA as a chance to prepare a financial safety net. However, critics argue that the scheme favors the rich, who have more investing power, thereby increasing wealth disparities among Japan's youth.

In the US and EU, similar financial innovations have also been attempted with mixed reactions — they are appreciated for fostering financial literacy and investment culture from a young age, but also criticized for widening the wealth gap. Hence, it's a universal challenge to balance between boosting individual investment and preventing socio-economic disparities.