No-one,
The rules on super are that once you put it in it cannot be withdrawn until retirement.That's a long time.
During that time your funds are a sitting target. You can't remove them but the government frequently changes the rules from those under which you deposited the funds.
It would be good if as you suggest the government would not raid these sitting ducks. However the government has form.
I put money out of my own reach, didn't buy jet skis or take my children to Bali. I saved for my retirement under one set of rules. Just as I was about to get the payoff for my sacrifice the government changed the rules and introduced a "Transfer Balance Cap".
Both the Libs and Labs refer to peoples retirement savings as a "national resource". In my view there will be multiple rounds of further theft such that a 40 year old would be foolish to put his pot of savings in the government's pocket for 25 years.
