If you thought that way when you were young, you would never have accumulated a 'lot of money in a SMSF'.
Why does no-one want to think long term?
My whole point was put a little extra in when young (most young people waste all their money) and once funds have built up, one would only need to then manage it well, and not have the mad scramble to catch up later in life.
I know of people who cannot afford to retire - no savings in or out of super.
The Gov't will always need to offer an incentive for people to fund their retirement, due to human nature being what it is. Take advantage of the incentives.
