The Road Accident Fund (RAF) has been much in the news of late, for the usual dispiriting reasons. The RAF is an important, tax-funded spender. It manages great complexity, with over R50bn of revenue and expenditure a year — a formidable amount that the National Treasury expects to increase at an annual average rate of 19% per year over the next three years, from R53.1bn in 2024/25 to R89.7bn in 2027/28.

As a social service, the RAF and its R50bn-plus bill can be compared favourably — perhaps unfavourably — with other kinds of tax-funded expenditure. The old age grant now runs at R117bn, and the child support grant at R90.4bn, in an annual social development budget of R422bn...

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