The benefits of the saving plans go to people who have more than sufficient income to pay for regular expenses; those who can save. Isn't that by definition higher income households especially given the lack of growth in private sector lower and lower middle households' income? BTW all of the tax reforms have basically been a transfer of the tax burden from higher income to lower income households. The GST and higher fees, e.g. TTC fares, basically affect lower income households while higher income households benefit from lower income tax rates.  There is some adjustment for the lowest income households but lower and lower middle income households take the burnt. The only out is that politicians, both from both left and right, have deferred the impact by creating structural deficits.

The efforts to offset the negative affects of the GFC is (IMO) unbelievable low interest rates. Asset prices have exploded. Households that hold assets are wealthy. Lower income households hold debts.