so many fees to pay before even stepping foot in.... and then have to pay so many tips...

no wonder their gdp is super inflated... 25% tips is nowadays expected it seems.

investments that can match or exceed 6% with better control and liquidity and reasonably safe....
Try Cash Trust fund, which i think can meet most of your prerequisite.
can match or exceed 6% ,....(in that existing thread, mentioned more than 6%)
with better control and liquidity,....(in that existing thread, mentioned some shorter than locking period of kwsp, but it still can withdraw if you dont mind the penalty)
and reasonably safe....(so far no mention of runaway or non payment by these locally registered trust entities yet in that thread)
There is an existing thread
Ubb CASH TRUST 3 years nett 6-8% pa anyone?, UBB Amanah Bhd
https://forum.lowyat.net/topic/4801818/+380

No benefits and cannot be stop until you divorce your wife or she passes away
But if she passes away and she nominated a plumber you also cannot fight in court as all her EPF money goes to the plumber

😂