There was an appendix in the tax expenditures report of 2013 from Finance that indicated who was taking advantage of the tax-free savings account. It indicated that the people who were most benefiting were people who already had excess money, and they were older and richer—that was the highest proportion. Also, University of Waterloo economist Tammy Schirle—I might be incorrect in that—or it could be Kevin Milligan out of UBC, indicated that the universal child care benefit credit had the impact of keeping more parents at home, which might have been, in fact, its intended effect.
The point is, at a time when the economy is slowing you do not want to pull money out of the system that could be used to spend, which would increase economic growth, or have more people not work than work because you're worried about these continued—like Stephen Poloz, the Bank of Canada governor, calls—serial disappointments in growth rates, which we are likely to see for as far as the eye can see. In addition, at the end of that is population aging, which will also continue.