[crusso]

TLDR is they're being set up

They're being set up the same way that Social Security has been set up to go bankrupt, Medicare has been set up to go bankrupt, Obamacare has been set up to crash and burn, the Community Reinvestment Act was set up to cause a housing bubble, government backed student loans were set up to cause hyper-inflation of education costs...

You see a pattern?

They're being set up because they are part of a system that has failure baked in from the beginning. Not failing is the odd surprise when it comes to government control of large complex business entities -- and even then the question of whether or not some apparent success is actually failure depends upon how closely you look at how much it cost to prevent catastrophic collapse (ie, the military).