Imho, the problem with this statement is that you are thinking from the top and working down…..which is what we do because that is what the system does.
You have to, again just my opinion, think about it from a baseline…..think about everyone starting from the same place and then decide what makes sense.
So, in the case of Tax we have a government mindset of “what’s the maximum we can take and spend it on” where as actually it should be the exact opposite in order to provide everyone with better opportunities to enhance their financial security and in doing so their life.
S