Zakat Simpanan Tabung Haji

This question crops up from time to time, at least for me personally. Whether I need to pay zakat simpanan for my tabung haji deposit. I've settled this issue before via search , cuma I want to capture on this blog for my future reference.
Fresh search gives :

'From http://www.pakdi.net/adakah-kita-wajib-bayar-zakat-simpanan-tabung-haji/
Berikut adalah jawapan dari laman web Tabung Haji:
* ada link to LUTH, but link could not be found (http://www.tabunghaji.gov.my/TH/Soalan/Tabungan/Soalan%20v2/14.htm)

Adakah pendeposit TH wajib membayar zakat simpanan atas wang simpanannya di TH ?
Jawapan:
Wang simpanan pendeposit-pendeposit TH disatukan dalam Kumpulan Simpanan Pendeposit-pendeposit dan dijadikan sebagai modal perniagaan. Modal perniagaan ini dilabur oleh TH dalam bidang-bidang perniagaan seperti pelaburan harta tanah, bangunan, perladangan, perusahaan dan bidang-bidang lain yang halal mengikut lunas-lunas Islam. Kumpulan Wang simpanan Pendeposit ini hanya digunakan oleh TH untuk tujuan perniagaan.
TH membayar zakat perniagaan bagi pihak pendeposit dan dengan demikian pendeposit tidak perlu lagi membayar zakat simpanan ke atas wang simpanannya di TH.
Ini merupakan keputusan Persidangan Jawatankuasa Fatwa Majlis Kebangsaan Bagi Hal Ehwal Ugama Islam Malaysia Kali Ke-17 yang bersidang pada 3 May 1979 telah membincangkan Pembayaran Zakat Oleh Tabung Haji.

Persidangan tersebut memutuskan:
1. Lembaga Urusan dan Tabung Haji adalah diwajibkan membayar zakat bagi pihak penyimpan-penyimpan dari wang simpanannya, dari hasil pelaburan dan dari harta yang diperniagakan serta segala keuntungan daripadanya.
2. Setelah dikeluarkan zakat oleh Lembaga Urusan dan Tabung Haji bagi pihak penyimpan-penyimpan itu, maka barulah keuntungan bersih itu dibahagi di antara penyimpan dengan Lembaga Urusan dan Tabung Haji menurut peratus yang ditentukan.
3. Lembaga Urusan dan Tabung Haji sendiri tidak diwajibkan mengeluarkan zakat dari harta yang didapatinya dari (ii) di atas.
4. Zakat tersebut hendaklah dibayar kepada Majlis Agama Islam negeri-negeri, mengikut kadar simpanan penyimpan-penyimpan di negeri masing-masing.'

I've searched and verified the 3 May 1979 persidangan Jawatankuasa Fatwa. See print screen below.

For complete viewing, visit http://www.e-fatwa.gov.my/fatwa-kebangsaan/pembayaran-zakat-oleh-tabung-haji

*Warning* The following is purely my own point of view and judgement.
Come to think of it, I paid zakat pendapatan (for that year). Then duit lebih pendapatan, I saved it in LUTH. I know that banks/ co-op/ etc use depositor's savings sebagai modal perniagaan. So my money becomes modal perniagaan for LUTH.
LUTH used it for their business and 1 year later, LUTH paid zakat perniagaan on the profit that they made out of depositors savings including my savings (1st zakat on LUTH savings/modal niaga). Talking with my feelings here, rasa macam over la pulak if I have to pay for zakat simpanan (2nd time zakat??!) on the same year...kena zakat 2 kali on same asset?
My take is, talking with some rationalization here, sepatutnya, sesuatu dikenakan zakat once a year (kena cukup haul/ jangka masa). So kalau LUTH dah settle kan zakat perniagaan on my savings/modal niaga, I do not need to settle zakat simpanan on my savings. For clarity, niat terus bila deposit kat LUTH yang duit ni adalah untuk tujuan perniagaan ie. the money that goes to LUTH bukanlah simpanan tetapi adalah perniagaan.
Let's look at another angle. Does my money actually in 'tersimpan' status? LUTH may have used it to buy land, invest, build properties etc. How long is my money in 'tersimpan' status? How long is my money in 'business-mode' status? Cukup setahun kah? Just leave it to LUTH lah. Kalau dia kata duit tu is in 'business-mode' then it's obviously not 'tersimpan' mode.
Another angle. I worked for a year and paid zakat pendapatan for that year. From my pendapatan, I've got some extras which I bundled & gave to a 'body' to do business. After a year, business was profitable and zakat perniagaan was paid for it, with the assistance by the 'body'. I got back my original business money plus profit and dumped this load in a bank savings account. After a year, I got some dividend and paid zakat simpanan for the savings & dividend (since this bank does not pay zakat on my behalf). Fair is it? Just pay zakat for that particular harta once a year.
Wallahu'alam.