I don't really want to wade into the CPP debate, about whether people should opt out. It's not enough for people to retire on by itself, but at the same allowing people to opt out means people aren't protected from themselves. I know most people think the government doesn't know what's best for them (and I largely agree). I could give numerous examples of people using pension money to do incredibly stupid things, as soon as they have a chance. I'm sure that moneyguy or any other financial advisor could do the same. Trust me when I say that for many people the reason they have pension money is because they can't access it all. It has nothing to do with the rate of return, or cheap management fees. Its locked away and people can't spend it.
As for the proposed APP and firewall, I am against it for a number of reasons. Here are some facts and figures from the PCs on why they haven't pursued this, and while I don't know if it's accurate, the numbers are staggering.
http://www.votepc.ca/admin/contentx/...d=2496&r=10187