thanks for the rebuttal but I beg to differ.It is not the government's fault that some individuals have ended up with limited means. The PAP has created ample opportunities for everyone and if some squander those opportunities and mismanage their finances in the process, they only have themselves to blame.
systems have to work for the people they are designed for...there is not point in laying the blame on the people
when things go wrong. on.which other group of people can the PAP system work?