you have a  good reason to worry for the people in Ottawa (the ones that make the rules) have been totally out to lunch on these clawbacks for years. Think of those that had good jobs at one time but are now in a low income bracket from no fault of their own.....they were all  sold the idea from governments and  banks to buy RRSP for the future....well we all know what a load of BS that was......So here is an idea,, let those that are in a low income bracket transfer their RRSP  to  TFSA without penalty....cause either way, if they run out of money...The tax payers are still going have to pay.