[bruce511]

Regarding retirement age;

Once upon a time it was irrelevant. Whatever age it was, you died before you hot there.

Then we decided that 60 is a good age. Most people die somewhat-soon after that, so you can store up value along the way, then spend it "after retirement". Back in the day most people entered the work force by 20 (usually a lot earlier) so nominally 40 years of work, and 5 to 10 of retirement.

Of course today lots of people go off to college and won't enter the workforce until well into their 20s. They have better health options, were better nourished in formative years, smoke less and can legitimately expect to live into their 80s.

So there's this arbitrary retirement age, which is based on life factors, but somehow its uncool to adjust the retirement age.

Let me reframe your point. Gen Z will perhaps be the healthiest generation in history. With a life expectancy into the 90s. (nice).