The benefits you just listed are the very reasons why we don't oppose the principle behind TFSAs. You talked about optimal conditions, but the issue is where should the limit be to ensure that optimal performance.
At what point does the TFSA stop being an instrument that allows for maximum benefit and the optimal use of resources? At what point does it become an appealing tax shelter vehicle? And when I say tax shelter, I'm not referring to savings but, rather, the transfer of savings. That's what we are concerned about.