Putting more of each pay packet into super would widen the gap between high earners and low earners; between men and women.
The increase will come at the expense of wages, and in the view of two inquiries - a decade apart - is something we don't need.
Until now most people have eventually owned a home. But two trends – falling ownership and a growing aged population – will put the budgets of retirees and government under real pressure.
Everyone is better off under the superannuation guarantee levy, but low and high income earners see a greater benefit than those in the middle.
The Australian superannuation system was originally meant to be government-run, and so many necessary protections weren't included.