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Notes -
I work in elder care myself - can you expand on why you feel negatively about it? I tend to agree that it would be bad for a huge proportion of the population to be involved in it, and that mostly relates to concerns about the birth rate and demographics, but insofar as the elderly population is growing, needing more people to look after them seems inevitable. Lifespans are increasing and medical care is improving, so the number of elderly people is also going to increase.
Unless one wants to bite the bullet and say that increased life expectancies are bad, and it would be better if more people died at 70, there are going to be more elderly people, and through no moral failing of anybody, they will need care. What is your preferred response?
Have more controls on provision of medical care to the elderly when it's not passing any cost/benefit calculation especially on public purse. Bump the retirement age substantially upwards for public assistance since an increasingly vanishing minority are working jobs with any real physical toll.
If you want to self-fund your tilting with death sure but incentives are currently massively misaligned
It's really great you're going to be thirty years old forever and maximally economically productive and will never get old or sick and will never be replaced in your job, so you are never going to need home helps, healthcare services, or a pension. Unlike those old useless seventy years onwards people selfishly requiring doctors to treat their arthritis and pneumonia, the leeches!
Publicly funded retirement is a privilege. The line needs to be kept at a point that enables society's books to be balanced. 65 made sense when a comparatively small fraction made it there and massively costly medical interventions weren't a thing.
If you want to stop working either have enough kids or get enough money that you're not on the public purse.
In the US at least, social security and medicare is an entitlement. You essentially earn "points" (not literally but figuratively works similar) in the program the more taxes you pay into it while working, and then come time of retirement or disability you get benefits paid out based off how many "points" you have.
There is an implicit, and in many ways explicit, agreement that this is earned. Some people try to argue against that by pointing that the cash you get out isn't the same cash you put in, but that doesn't actually change anything in the agreement. Money is fungible, it doesn't matter where it comes from whether it got stored in a big bank over the 40+ years of work or it went to seniors of the time and the money comes from workers today, the seniors of today earned their "points" in the benefits system and want to see the obligations promised to them by the government fulfilled.
The correct answer to this was for the government to never make such a promise to being with, not to rip people off.
It's not that it's not literally the same coins, it's that people get out more than they put in. It was not earned, in the most literal way.
https://401kspecialistmag.com/social-security-taxes-vs-benefits-americans-take-far-more-out-than-they-pay-in/
The imbalance is mostly driven by medicare; social security is much closer to breaking-even or even losing you money if you are a high earner, although married couples get more under certain conditions.
Ultimately the scheme was designed in such a way as to rip off the taxpayers of the future to promise gibs now. Those future taxpayers are all grown up and recognise that they are being ripped off and that the economics are going to leave them holding the bag.
Of course, they’d make more if they could invest the cash in the market.
Only if you automate an index fund & ignore it. Most active investors lose money over time.
That’s futures and options no?
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