Personally, I think FRIs are never aimed at the people that need them. If people are about to leave, money won't keep them in, why not offer them a decent qualification to aim for when they leave instead. Why not offer them an ATPL (H or A) at their pension point? Many people I've spoken with in he crewrooms all agree that this would keep them in more than a monetary tie in. It would also be more beneficial for a second career.
Apparently AFPRB considered it but decided not to go with it as they thought it was pointless...