[ThrustVectoring]

Imagine you're a healthy man of age 45. What can you do today that means you get taken care of when you're old? You can try to convince your children to do it, but that's fairly risky - and it doesn't scale well on a national level. Anything you build today is going to break down and undergo capital depreciation by the time you're unable to take care of yourself. If you help build a road, it needs maintenance.

There's few good options at societal scale. One of them is to get the right to extract valuable resources and sit on them until later - this is what Norway's doing with their North Sea oil. The other is to make things, and trade them for promises to make things later. This is one of the huge fundamental forces acting to make debt for the young generation easier and cheaper - the previous generation needs to do things now to convince them that they need to part with their work later.

It's not an error, it's there by design. The only way to get retirement savings on that massive of a level is to make things for people who can't afford them (yet).