re: Housing
I've always been a fan of the Singapore system, which (put simply) allows you to draw down your Super (Pension) to use when buying your house (primary residence). This stops you having to pay interest while getting a pitiful return on your Super. As you pay off the loan, you pay back your Super.
The second benefit is people put more into Super.
Of course this would never made it in Aus as there are too many vested interests wanting their hands on your Super...
Cheers
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