You make good points but at the end of the day, it is unaffordable and growing rapidly. What do you do to stop it growing? Tax superannuation income?
You don't bring in unproductive lazy immigrants and 'refugees' who want to bludge. And give working people incentive to work and become financially independent. And not take it away from them once they rely on their savings.
That's how.
Shorten is a thief.
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