Thank you, Mr. Dionne Labelle.
I just want to point out that the graphic you're referring to is not of households; it's of individual tax filers, and so there are going to be some differences there. For individual tax filers, median income is about $30,000.
That being said, I think—and others have looked at this as well—that it's very predictable that we will have TFSA millionaires, without some reform to the system, in the next 20 years.
The amounts I've chosen are for the lifetime contribution, 30 years of contributing at $5,000 a year—that's a fairly straightforward calculation—and providing people with a maximum of a doubling of that contribution, to have a hard asset cap at $300,000, whereby once people's TFSA is worth $300,000, they then have to take any excess amounts they receive in income out and hold that money in some other place.
I think this is a fair way to restrict TFSAs, such that low- and middle-income people, who should be benefiting—although the take-up rates are abysmal—can still benefit from this, but also to limit the benefits that high-net-worth individuals can make from TFSAs.