In my opinion, there is too much negativity on the news that our government will allow a citizen to start getting a CPF payoff at age 70 unless he or she fills out a form to extract the money at age 65. This is because, unless a citizen is really uneducated or has a mental condition,  a citizen can write in to take out the money at age 65.

The hostility is misplaced.

I think citizens should be more hostile to the idea that the upper echelons of the government has been gripped by a few simple ideas from behavioural economics. Choice architecture became popular because of a book called Nudge by Richard Thaler – the idea is that we do not need to come up with a policy to force people to behave in a particular manner, sometimes we can shape behaviour from the way we present choices to them.  For