[TopSage]

In my opinions, they are 

1) Indians - CECA to allow Indians easy access to Singapore to compete jobs with local 

2) HDB - BTO flats delay our birthrate as couple will only have babies after getting their flat, by then they are already too old to have many children

3) Education - our system groom talents and forsake majority who might turn out to be better than talents 

4) Investment - GIC and Temasek portfolio are mainly due to assets inflation, not wise investment 

5) Transport - Uncontrollably COE categorized vehicles into luxury items for the rich and famous 

6) Elitisms - Government and top management are mostly people who know or related to each other

7) Foreign Affair - Government representatives often speak unnecessary on international rivalry between big nations