It's a safe, inexpensive savings vehicle sorta like the TSP G Fund -
https://www.tsp.gov/...rformance_G.shtml
It isn't going to help people who are broke, but it will help people not get ripped off by banks that penalize small accounts and small contributions.
Yeah $15k isn't much. But once one has that much saved, it's much easier to investigate other options.
Lots of these government investment vehicles for individuals have limits. E.g. $10k for Series EE Savings Bonds -
http://www.treasuryd...s/res_e_bonds.htm
It's not a lot, but it's something.
Cheers,
Scott.