This thing is not about fairness at all, it's about timing. Pure and simple. To come up with an arbitrary requirement as you have (no one who holds an ATP) seems sort of wishful, at best. The rule is going to change. Accept that as a fact of life. Whereas it will negatively effect a portion of our population, it will do the inverse for another portion. I can't remember when a law was passed that didn't have exactly the same end result: one group benefiting at another's expense. Just a fact of life. Not fair? Sure, it's not fair, but neither is life. Windfalls are just that, windfalls. It's too bad that we can't see that for what it is, but I certainly do see the other side. To those on that side, I say: you will have your chance too. It's only a matter of timing.