IMHO the main issue here is not about making sure the subsidy reaches its target group. If you read between the lines, the government is in deep shit. Meaning, no money. The situation is so bad in such a way that if every EPF depositors decides to withdraw all their savings today, I would estimate only 10% will get the money and the rest will nganga. What you see in your EPF statements are just figures. Yes, only on paper. How could this happen? This is mainly due to mismanagement from the previous, previous administration and not to mention corruption. We and the generations to come are going to pay the price. This is what the future going to be - expect to pay RM500K for a proton saga in ten years time, engineers and doctors will have to drive taxis to make extra money, graduates with phDs are no longer a big deal, people from African continent (so called students) will make up 50% of the Malaysian population and Bangsar will turn into a ghetto.