The end game is Zero
We may be a multi culture and multi religion country, but the influence of Buddhism is widely felt and even practised as a way of life. Or at least one aspect of Buddhism is gaining prevalence without anyone realising it. Buddhism believes in emptiness. In the end all material things do not matter. We come naked and should go naked or empty handed. This is now a national philosophy. Many years ago we started this great saving scheme called CPF and the workers and employers contributed as much as 50% of an employee's income to the scheme. It was so successful that the Govt even switched its pension scheme to this scheme. The people were happy. They have enough in the CPF to buy their homes and then a handsome sum for retirement. The status quo lasted till probably the late 1970s or early 1980s when the savings in the CPF grew to such a size that it became very tempting to everyone. The CPF members not only smiled when the monthly statement arrived. They were rich with the amount of money in their accounts. And I am talking about the average workers, not ministers. As they said, the rest is history. Today, only a few lucky ones would have some decent money left in their CPF on retirement or to be passed down to their children. Every cent has been computed by all the interested parties to have a slice of it and leaving the owner practically just enough to meet his last rites. Some may say, but they still got a flat. Yes they do. But this is also computed that by the time they retire, they will have to trade it for some money to live on. And if they use reverse mortgages, that will be the perfect scheme in the game of zero. At the end no flat and no money. For those who have some money to live on and not having to trade in their flats, the flats also will one day become zero in value. I don't think this philosophy is Confucianist. It is fundamentally Buddhist in nature. The Game of Zero has been perfected. Come with nothing, leave with nothing. One qualification, it applies to the average Singaporeans only. PRs, foreigners and the rich are not part of this game.