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Notes -
Regarding pensions, I think having private companies pay out pensions to employees is silly. It also distorts incentives, with the state more willing to rescue a company because the pensions of a lot of former employees depends on it.
Instead, the retirement part of the paycheck should be invested either by the employee directly or by a specialized company (under strict regulations, basically "hang all the C-level executives if the company folds during a finance crisis" or something). I am fine with an insurance model, where people who live to 100 get their pensions subsidized by people who died half a year into retirement. I am not particularly fine with my deductibles directly paying for current pensioners (which is the case in Germany), and all I get in return is a vague promise than politicians will make future generations pay for my pension in turn.
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