RRSP season is, as
yam points out, a little like
salmon rushing upstream.
Hardly anyone ever stops to think how much money this puts into the bank accounts of "investment advisors", and the banks with RRSP plans. No matter how these plans are described--load, front load, back load, no load--what financial sector employee, all private sector, would do this for nothing!
I suspect if people really thought about how much money was diverted here, away from their own future, and how much money high income individuals shelter--at the expense of those not wealthy enough to take advantage of them--people would push for a truly equitable public sector plan; there is no profit in the public sector.
At present the Canada Pension Plan, like all public sector arrangements, is being bled to force us all into the anxious little hands of the financial industry--who laugh all the way to the bank.