AWG: That is good thinking, but it presupposes disposable income. Many people HAVE no disposable income.

We got it all wrong. If people were gonna make sense, every child born would inherit, at birth, $100,000 from government general revenues. A social insurance paid forward. After that, no employment insurance premiums, no social insurance premiums. The child would be allowed to keep the money in secured accounts until the age of 18 (to pick an age). By that time the money would likely have doubled. University or other post-secondary would be ensured. Two generations and Canada would have THE population prepared for damned near anything the world could throw at it. People are always the best investment, IMO. But then I dream lots.