You are saying that 60% have an income under $60,000. However, is it true that, before the inception of the TFSA, those people perhaps had a number of years' worth of savings and, once the TFSA was set up, they all seized the opportunity if they had $6,000, $7,000, $8,000 or $10,000 in their bank accounts?
Right now, can we expect families making $60,000 to still contribute the maximum amount, which is $10,000?