Fair summary.
It’s the single worst system I have ever seen in action from the Australian government which is really saying something.
There are people who no doubt need care but they’ve set it up as an unaccountable money printer to funnel money to broaden their base, and people are just doing what the incentives point to - rort the shit out of it while you can and there’s basically no punishment for doing so.
It will be funny if they can’t rein it in and the country is bought down by the disabled though..