That's pretty much the issue the money we are pouring into medicare, SS etc we will most likely never see it is just a drain on our income. Not to mention sky high insurance now which covers nothing unless you break a leg or become so ill you rather not live anyways!

How would you expect anyone doing that to look to the future and see bright things ahead.

Even a 401k has a max you can save to it and even if you maxed it out for 40 years you would not have enough to live off of. The entire system is broken right now people need to start taking care of themselves and stop relying on government etc. If you want to make money and live better then get up and do it!