So the kids next door and others like them are penalized bacause you say the majority do not take advantage of the TFSA max.   Illogical 
Better to educate those who do not take advantage of the max.  Many still do not have any idea about how to use the TFSA and what it means to their future.
Many still prefer the Tax Deferred RRSP which as many of us are learning will come back to bite them on retirement.