All a pyramid scheme. :) 

With 10.5% of an employee's income (mostly) going to the stock market in Australia via superannuation, and then probably a 5-7% drawdown by those who have left the compulsory superannuation scheme through retirement from the workforce, it's a steady 5% to keep up with "Real inflation". 

In no uncertain terms, no matter where you look at the monetary system in Australia, "its fucked" doesn't even begin to describe the monumental generational robbery that is ongoing and disheartening.