Eagle the scheme is a donut. It's just a desperate effort by Morrisons goons to try and counter the policy of Labor.
In your example if someone had 100k in super and withdrew 50k to buy a home, which then means that their super at age 65 is only worth half it could have been then the nation is in deep shit with the pension bill required. The Lnp has done enough damage as it is with early access super during the pandemic, this will be far worse. Most home loans are north of $600k these days which take 30 years to pay down, so highly unlikely there's any extra contributions to repay the lost super balance. A disaster in the making which will only appeal to the gumbies.
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Superannuation policy a desperate panic thought bubble, page-4
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