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I think the real danger is the politicians that's pretending to care about the people by pushing for moratorium extension for another 6 months. They will not give up on this idea so they can look like a life saver
Most likely moratorium will be extended and EPF will be implicated also if the 10k withdrawal is permitted hence big crash is imminent. Hold your bullet
Look at the current parliament proceeding then u will understand whether will the finance minister be stiffled to ammend the budget for moratorium and epf issue