"The TFSA is available equally for all to use with after tax dollars."

This is correct.  It is not, however, complete. Calling it a fair and equal savings vehicle is mis-guided. As the article points out, the TFSA as a policy initiative was intended to provide an incentive for people who were not saving to save. Success in this goal is not clear. What is clear is that people who were already saving (shockers, the wealthy and those with high incomes) were uniformly taking advantage of the policy and paying less taxes on investments they were already making. That loss of tax revenue has to be made up somewhere, and it's not clear to me that it is not being made up off of the people who don't have the discretionary income to utilize the TFSA program.