Barbadians are concerned about the state of the $4 billion National Insurance Scheme (NIS).When Barbados TODAY took to the streets to get feedback on Wednesday’s announcement that the scheme could be depleted in as few as 12 years, several persons admitted they were worried, while others blamed reckless spending of the NIS’s funds for the stark reality that the country is facing today.Winfield Clarke charged that successive governments have dipped their hands in the NIS to finance projects and written off millions in debt for big businesses, leading to the current concerns over the viability of the fund.