Hi Contra,
It is a known fact that other than the Malay ethnic, there will be disadvantages to live in Malaysia. That is why it had been called Malaya from history. This is part and parcel of living in Malaysia. However, do note that there are also many successful businessmen from the other ethnics in Malaysia, whom I'm sure I don't need to mention. Why can there be so then? These people are smart and they also have connections with the Bumis. They are also able to obtain big projects from the government through the Bumi "middle-man".
I would agree that it may be a struggle for an ordinary Chinese living in Malaysia, both in terms of his child's education and progress in his/her later years. However, those who had made it, will make it big. Just like those ethnic Chinese in Indonesia.
Coming back to Singapore, our government in the 70's and 80's had been caring. I don't doubt that. Unfortunately, due greatly to its greed and fame, it began to run the country like a business corporate from the 90's, lured only by ever more profits, aka GDP. This has resulted in an uncaring government towards its own citizens. There is practically not much tangible benefit to be derived for a citizen against a foreigner. Many of the concessions they give to its citizens are indirectly taken back in more ways than necessary. Cost increases are the norm of the day for their governance, regardless of whether you are a citizen or not. At least in Malaysia, they have subsidies and price control for daily essential items, both applicable to the Malays and non-Malays. All ethnic groups benefit from this and mind you, there's a great difference towards the cost of living and survival. And in most circumstances where payments are required, the Malaysian government usually provides an alternative. Just like if you can't afford a TOYOTA, then buy a PROTON. If you don't want to pay for the NSH, then use the trunk roads, whose road conditions are now also much better than in those old days. There is no such choice in Singapore. You either pay for the exorbitant COE or you take public transport. No second choice for its people. You try to drive into the CBD during the day and see if you have alternate roads to avoid paying the ERP. Practically no. Our HDB may be a great appreciative asset in your eyes, but where are we going to stay if we sell it away one day? We'll still have to pay for an ever increasing housing cost to get another roof. So, where's the net gain eventually?
At the end of the day, I'll still say that even for the non-Malays in Malaysia, there are still some decent provisions by the government. Whereas, the Singapore government is only concern towards ever higher GDP (to boost their own remunerations) at the expense of its own citizens. To me, by allowing cheap imported labor to artificially depress its own average citizens' wages is not an efficient nor good government at all. Forcing its old age to work to eternity is definitely not what we had bargained for to be Singapore citizens. There is a time for work and also a time to reap the fruits of our labor, don't you agree?
The above are just my views and opinions. Nobody is obligated to fully agree with me.