Someone (believe it's Scroobal) already pointed out that it was the British that started the CPF scheme, not the PAP. In starting CPF, the British had the genuine interest of Singaporeans at heart, to provide for them in their old age. In other words, the British for all intent and purposes would return the compulsory savings back to Singaporeans. But when the PAP took over CPF, it started all sorts of devious ways to retain our CPF monies for their own selfish purposes and for as long as possible.
True the government has the legal right to call the shots in managing the scheme. No one disputes that. What is at issue here is the PAP abusing its legal right in delaying withdrawals by imposing all sorts of condition in order to keep our CPF monies as long as it can, and this the PAP had been doing by continuously shifting the goal post - increasing the minimum sum year by year, extending the withdrawal age year by year. Isn't so damn clear that the PAP has no intention to return to the people their CPF monies?