the country is trying to discipline people by saving money for rainy day

but people start to aggressive yolo after covid, pop up cafe franchise, keep going oversea, go hang flower, cheong more than it should, go migrate to other country, renovate house, go genting gambling, all of these are not possible without the 10k withdrawal epf at that time

now waiting something like france protest ( in 2023 when the gov raise retirement age, people protest )