Ms Bullock explains cash flow, page-22

while what you say about the longer term is true, note the alarming rise in the cart I posted. the value of total mortgages doubled in size during the covid period.

sales techniques used by pollies and banks showed customers the way.

as for "government s that are fiscally responsible". .... look to the Abbott-Morrison period where the policy application was to weaken the economy by suppressing wages. ---==> now THAT is irresponsible.