"And all of those cost are met by folks who do not have super!!!!"
Not so.
I have a reasonable/very modest super fund in which I hold shares I have moved into the super environment. Most of my funds are in my own name. I am referring to the monthly charges on that modest super annuity - not sure what you are on about really
Funds in my own name are not being dipped into my an intermediary.
My imputation credits pay my tax liability for funds in my own name. That is the only way I need to pay but that is my choice.
