For me, alarm bells were already ringing when Paul Keating made superannuation contributions compulsory for everyone, some 20 years ago.
At that stage, the contribution rate was only 3 or 4%. It rose steadily to 9% and is now rising to 12%, to satisfy the money hungry banksters in their quest to rule the world, make us live in tiny apartments, work us to death and eventually return nothing of the largess to its rightful owners.