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>Super funds only make sense when you have more people paying into them than withdrawing.

It feels a bit like you might be confusing the difference between a pension fund and a super fund. A super fund only pays out to you what you put in (plus hopefully profits from having your money invested). Provided the fees they charge cover the fund's running costs it doesn't matter if there are more people withdrawing than paying in. You only get your own money back, they aren't a ponzi scheme where old investors are paid out with money from new investors.

>Super funds being a business still need to make a profit to pay investors, wages, brokers, and building associated costs and lawyers

You might want to research some low cost funds. There are lots but as a starting point https://www.ingdirect.com.au/rates-and-fees/superannuation-f... This sort of thing will likely cost you much less than whatever you accountant is charging you to oversee your self managed fund.