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The whole reserve system is a Ponzi scheme. The name "reserve" says it all. If people wanted their money, it does'nt exist. That the gov gave them guarantees tells how powerful that system is. I'm of the opinion that they are there as a cartel with the big 4 to make money. Nothing else. All...

As soon as the RBA thinks people can pay more money, they'll start lifting the rates that were kept artificially low and start squeezing. And more than likely they will make up for the low rates, as they always do. It's a good ponzi scheme the 4 pillar thingy.