I think it should be higher to reward the small minority that do save.  Plus it does keep away money from the government, especially one loaded with Ontario liberal party retreads who have shown a surprising strong ability to waste taxpayers money on an epic scale.  Plus the wealthy in Ontario are already being taxed at a 54% marginal tax rate so it isn't like they aren't being gouged pretty deep already.  

I am always surprised at how willing lefties like you are to shovel over money to incompetent governments.  I know that you believe government can solve all your problems but why punish those people who are doing the right things and taking care of themselves and their families.  Why can't we have a little personal responsibility and accountability these days.