I think it is all about risk versus reward. The least risk is...

I think it is all about risk versus reward.
The least risk is get a job and work for the next 50 years, then retire, take a cruise and slowly die.
Or start own business, save, invest take risks, make money pay taxes and try and enjoy life along the way.
Governments seem hell bent on attacking the risk takers and the rewards are harder to achieve and for a lot of people the effort is just not worth it or they have to take greater risks to succeed.
The banking royal com has made lending harder and time consuming. The days of 100% interest only loans using an existing property as security are gone. The loan approval times have blown out to 4- 6 weeks where once 14- 21 days was the norm.
State Governments keep introducing laws that cost landlords such as tenants can bolt their furniture down and leave holes in walls and floors with no fault.
I am normally optimistic but the rewards are no longer there for property investing and Labour is playing to the activist minority lets see how it goes when it becomes impossible to rent an old house close to the city or cafes and business's start closing up. Might actually be good for the spec market as people try to make a quick buck to offset their loss of equity in the nest egg property.