[Instinct]

Just like the option to transfer your OA to OCBC FD to earn higher interest at 3.88%. While shielding is also an option available for people to maximise their cpf interest. Would gov stop it? No, because interest outside varies and can be as low as near 0% in the past. Be prepared to lose if you shield and it will take a long time to pay back. If gov were to stop all these options, then the pressure would be them to raise the CPF interest rate, which they dont want to. The compromise is let you have option to optimise.