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Australia's economy is increasingly influenced by a few powerful industries, especially mining and insurance and security and finance and real estateāthe "MiS-FIRE complex." This aptly-termed influence reflects how, through considerable resources and political sway, these lobbies can mis-fire policymaking to serve their interestsāat the expense of ordinary Australians. Rather than enabling access to healthcare and education and an adequate safety net, policy can reflect a narrow minority's goalsālimiting fair opportunity and burdening marginalized groups with inequality's harsh effects.
Christine came from a proud working-class family. Her parents had toiled tirelessly to provide for Christine and her siblings. She had been the first in her family to graduate from university, passionate about teaching kids who were just like she had once been.
For over a decade, Christine had a stable job and home. Then a slip at work shattered her leg, confining her to a wheelchair for months. Her savings drained, the only income was a small wage top-up from her union.
Recovery took years. Needing a fresh start, Christine took a teaching job in Turkey. A decade abroad widened her world, but more health issues forced a return home.
Back in Australia, job rejections piled up. Relegated to unemployment payments, Christine was berated by a cruel case worker, bringing her to tears each meeting.
A volunteer role at a museum sparked purpose, but revealed a tribe of other capable adults discarded by society. At least the work obligations were doneābut they came at the cost of Christine's mental health.
The pandemicās payments were a lifeline, letting Christine buy a wheelchair, groceries, and dignity. But rents have soared as Christine's home is being sold. With only a part-time teaching job, she can't afford most rentals.
Once a good student, daughter, and teacher, Christine feels like a failure. But she's a fighter, like her parents. There are support groups and advice services to help. Giving up isn't an option, even if the road ahead is unclear. She just has to keep going.
These are the types of stories we will keep hearing if policy keeps aligning with the MiS-FIRE complex.
Letās look at the stage 3 tax cuts for example that are still scheduled to take effect in 2024. By reducing brackets and rates, especially on higher incomes, these cuts would let those who benefit from the MiS-FIRE complexālike wealthy executives and investorsākeep more of their income. This would further increase the resources and influence of industries with considerable sway on policy at the expense of broader interests. It underscores how policy distortions, left unaddressed, can enable those who already have considerable power or status to gain moreāat costs to social services, equality of opportunity, and other priorities that government should serve.
Consider the vulnerable groups impacted if NDIS funding were cut 20% or more (as some plans have been): over 35,000 people could lose aids necessary for independent living, with those living in poverty hit hardest. Uneven access could persist across healthcare and education, as private gain is prioritized above common goods. For example, while wealthier students receive tailored skills training, underserved youth face mis-matched programs worsening disparities balanced policy could address.
Or imagine housing as tax-advantaged for those with deposits and high incomes, but not a basic right for families struggling without shelter and support. Here, "negative gearing" could benefit the MiS-FIRE complex by mis-directing tax benefits to higher earners investing in property, not meeting widespread needs with affordable housing. Combined, these point to a pattern: whether preventing disability or homelessness or enabling healthcare and education access, policy can exacerbate inequality by serving an industry complex that deliberately mis-fires to amplify narrow advantages, not public interests in an equitable system where vulnerable groups have fair chances to thrive.
Yet balanced policy serving the common interest is possible if officials craft reforms focusing on underserved groups' needsāfor shelter, support, and opportunityāwhich could help achieve social, health, and housing goals and steer towards an equitable system meeting the needs of those like Christine. Policy serving the public interest, not deep pockets, is needed to build a stronger, fairer system where Christines have a chance to build brighter futures, together.
Through Christine's experiences, we see how policy failing vulnerable groups can derail a life once full of promise. Despite battling mighty forces, Christine struggles with poverty and diminished hope. It is imperative to counter moneyed interests siphoning resources to personal gain. Systemic neglect of society's disadvantaged can only be redressed by prioritizing the marginalized, not elite privilege. The reforms that would notice those like Christine must serve the shared welfare, not selective favor. Policy serving the public interest, not deep pockets, is needed to steer towards a stronger system where people like Christine have a fair chance to build a brighter future, together.
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