This is something that we shouldn't be done. Our own hard-earned money is something that we should freely use. If this law will make require us to prove and obtain permission to use our money, then it seems that they don't have any good intentions. It will look like "our money, is their money."
All it need is a seminar regarding to financial literacy. This is all it need to prove losses that could be recover. The mathematical calculation for this is very simple. If you are currently employed now with not that much salary but could have make some extra allowance then try this and see if you could have save some money for yourself.
The formula is that SALARY - SAVINGS = EXPENSES. This should how one can make savings with discipline in spending it can overcome losses over a period of time. Just set aside an extra money whe you like to bet in casino.