One of the difficulties with the Australian model and with other models, like the Chilean model, where you build up an account and at the end you get a big lump sum that you have to deal with, is that people are typically not very good at dealing with and managing large sums of money because it is not within their area of expertise.
Dans le modèle australien et les autres modèles, comme le modèle chilien, les gens accumulent de l'argent et reçoivent à la fin un énorme versement unique qu'ils doivent gérer.
