Meanwhile the government says it wants to lower the cost of advice.
The governments regulator is ballooning how much they charge advisers, a new complaints body that is paid for by advisers who haven't been complained against and now increased admin burden created by the governments regulator to both super funds and the advisers who are authorised by the government to provide the advice.

The words circle-jerk seem appropriate.
No wonder the public just gives up. For most getting advice is simply too hard and too expensive.