Franklybc, you are not my doctor, but with your "holding nothing back" honesty on this political discussion forum you clearly leave the impression that you are holding something back, which is an irresistible bait of fundamental importance for me to try to find out what it is.

It could be just what the country needs at this time of budget deficits and increasing superannuation and welfare commitments!

So, let bygones be bygones, and let us start a new leaf of rational discussion.

My proposal to reduce and eliminate excessive debt of our descendants (for which our generation is responsible by allowing it to happen) - is for a start, the introduction of (long term retirement wealth) NZ Super Fund savings built into our taxation system, with living cost compensation subsidies possibly only for the poorest, and not primarily for higher income earners, as say KiwiSaver subsidies actually turn out to be at present.

This would initiate a higher savings culture in our "happy-go-lucky" attitudes - and immensely reduce consumption on credit before long - which is the trend that eventually will eliminate all excessive debt - and the solution to your major, clearly expresed concern - is here!

Do you agree, or on what RATIONAL grounds don't you - even if you have to reveal your rightful secrets on that?