There are quite a number of middle class, educated Malay that take ASB Loans to max up the 200K. I agree with u only small amount of Bumiputera are benefitted, from the annual report of ASB,
a) those have RM50K to RM500K balance in the ASB account = 345,050 investors
b) those have RM500K and above in ASB = 7,324 investors

ASB scheme started 20 years ago, and still not attract enough bumiputera to invest in this scheme....