Banking on your family dying - this is like saying "I am a worthless loser". I want old generation to live eternally, and still afford housing.
Industrial and maintenance automation for needing less labor.
Relying on next generation to fund your retirement is ok if you live modestly; but not ok if you live luxuriously.
Working person should not be doing worse than a non-working person; otherwise you have an extractive economy and social instability.