Me and my wife paid 2.6 million rupees in taxes after all our income was already taxed at source. Both our accounts have almost no balance now. There is no way to save for retirement now because whatever we try to save disappears in taxes. We are in a country where you are forced to rent because there is no concept of mortgage. And if you start a business it gets no support from a bank and gets taxed to death too. You can borrow less for stupid things like the half a billion dollar loan we just took from ADB for coming up with a pension plan. There are hyper talented Pakistanis globally who could do that probono for you. You are essentially paying for knowledge orchestration and powerpoints. It's ridiculous. Now imagine putting that same money to mapping and easing the journey of middle class aspirants. Mark it for ease of doing business. For SME credit. Or scaling business growth. For enabling reasonable mortgages and building an indigenous low cost housing value chain. We may be bankrupt as a nation but we don't have to be bankrupt intellectually. You can move the pieces you have better on the board you inherited. Much better.