[bluGill]

I know someone who after he retired fell for a scam and lost all his savings. I know someone who because of a genetic defect has decided not to have kids (he will die at around 55 but the last 10 years he will be disabled enough that he can't work)

There is no good answer that covers all cases.

[lotsofpulp]

Yes, there are rarely solutions that can cover all edge cases. But looking at it in terms of maintaining a society, it works well...and that's all we had before the 1950s.

[toomuchtodo]

It did not work well, and those factors contributed to the creation of social security.

The only solution is beefing up social security while ensuring transparency and long term (centuries) stability.

But people have to vote and care for this to work.