I'm not sure your'e aware of the term disposable income. You can flog a horse, but if the trough is dry ,it "ain't " gonna move".Salaries and wages have grown little, yet every other utility like power.water, phone, rates has.Foxtel subs are struggling. I've cancelled this year ,saving nearly $1300 pa, which backs up utility increases.
Retailers are complaining now ,people are not spending this Christmas, despite all the advertising and discounts.
And the big unknown ,how many people in regional areas ,affected by drought and fires don't have the loot to buy merchandise, or memberships.