Why do you think that smart people don't access HEAS because they are not aware of it? Perhaps they know that dealing with Centrelink / Services Australia is worse than having surgery without any anaesthetic, so why would you put yourself through that? The process is ** extremely** invasive, in terms of how much data you have to give them - and must continue to give them. It is a mental health nightmare. And the other reverse mortgages have so many traps in them, apart from being high interest.

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