No one can argue against what you say, or the good wisdom of what you say.  I believe everybody agrees with you here.  I think the issue that people dispute with you is your presumptive use of the terms "investment" and "good policy."  Investment of course is always wise for future needs concerning traffic, kids, education, etc.  "INVESTMENT" is a finance term that in the financial industry suggests a competently determined and realistically managed financial risk.    Otherwise, the term used for incompetent or incoherent spending meant for one's needs should be a different word.  Meanwhile, in many people's minds it is never "good policy" to spend upon what you beforehand cannot or have not been able to firmly budget -- your detractors' case in point being the Rail.