It is pretty clear that with growing TFSA limits, whether at $5,000 or $10,000 or back at $5,000, the larger issue is what the lifetime limit of TFSA holders is. I think that will become an issue later on, as you face exactly that problem. This is skewed heavily towards the wealthy end of the spectrum. The folks who can manage to save, who have enough income to save, who have seen big enough raises to save, are going to be the ones with the most assets tax-sheltered through TFSAs or RRSPs or any of the other alphabet soups of savings vehicles.
Over the long run, if we go back to the Carter commission, which was mentioned earlier—the last major review of the tax system—one of the conclusions was that a buck is a buck. Whether you make money selling stocks or make money sweeping floors, you should pay the same amount. At present, that's not the case, given the 50% capital gains exemption, and with TFSAs it is even more not the case, because there is no taxation whatsoever.
A buck, then, is not a buck. If you're making a buck through what wealthy people do—buying and selling stock and real estate and so on—you pay no tax, but if you make a buck the way most Canadians do, which is working from nine to five, then you pay the regular tax system.