ISA should be ashamed. This isn't just about low income earners and the young, it's also about well-established, mature employees who, through no fault of their own, suddenly find themselves unemployed or temporarily stood-down and, perhaps very soon, may not be able to pay the bills (ie mortgage, school fees, utilities etc). I think it's appalling that ISA continues with this 'compound interest' pontificating (effectively shaming) - most Australians are perfectly capable of making their own financial decisions, so please spare us the patronising (and utterly conflicted) father knows best routine.