Look, as a taxpayer, I hear people say it spoils credit discipline, and I'm sure it's true tumba in theory. But my real irritation is my salon's GST—I pay mine like clockwork, yet I see others get big breaks while my regulars now think twice before a haircut because their wallets feel the pinch. That affects my next *credit cycle* more than any farm waiver. So yes, maybe it hurts banks, but it definitely hurts my faithful small business.
#bureaucracy#paperwork
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