Whole Life have a very small niche in the market for instance, if you have a child with down syndrome or elderly parent that depends on your income.  

Between stamp duty and capital gains tax here in Australia it destroys property liquidity and that makes it actually harder for people to get into the housing market - be they young (first home), upsizing (growing families) or down sizing (elderly).You need to not impede volume and liquidity, we’re living the other side.

I'm having to talk to my now retired and elderly mother about her spending habits and how unreasonable it is that she doesn't want to give up even an inch of her lifestyle even though it could leave her broke and hurting in the end.

(spouse, kids, maybe elderly parents, etc) you can't spend 24/7 working on rentals unless you are making it your business.....Like many I do hope to someday make it my profession, but as far as I'm concerned, as long as you're in the for the long game, you're going to come out just fine.