Don't think I agree with the comment about being on a high income, but still being cash poor. Anyone could use that as their reasoning, ie I earn say, $50000 but choose to live a lifestyle that means I have so many loans that at the end of the day, I have little cash left over. Surely people can't expect the government to look at what you have left over from however much you earn? Someone could earn millions but still live a lifestyle that means they have no cash!