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Yeah - adopt a modern, humanitarian system of providing for the elderly. Turning the whole country into stock traders is not a viable solution. There's absolutely zero reason to require people to understand a Bloomberg terminal in order to pay for their retirement. The basic problem is that capitalism has no empathy and empathy is necessary in providing for people in a noncompetitive economy. "How do we take care of a generation of old people" is a civics question yet we're trying to apply market solutions and the shortfall is coming evident on GenX and the millennials.I'm sure you can spot the problem — and the solution — yourself.