Roxanne (and Leslie),
First keep in mind that this issue is not about stages 1,2, and 3 of MU... it is a matter of which year of the program you are in. You can do as many or as few years of MU as you want. In fact, the money is "front loaded", so that after the first two years, you will have earned $30k of the $44k total, and that might be a reasonable time to stop (the next three years only get you $14k total). You won't have to give that incentive money back, BUT in 2015 the penalties begin for those who do not use an EMR. The penalties are 1%, 2%, and 3% reduction in Medicare collections, respectively for 2015,6, and 7.
No need to be sold like a slave; just take your money and run if you don't think the program's benefits are worth the cost to you.