You did buy the Liberal BS. It is merely a vehicle which people can use if possible. And  really well  off would not find a TFSA very useful. It is fully convertible at any time where as an RRSP isn't. Our governments are supposed to help us be more independent  not more dependent. Liberal doublespeak. You don't have to cry for those who can afford this just don't hinder them. The less they cost society the better.