[hga]

There are massive subsidies going to the 50-64 years of age crowd.

Now, yes, you can argue that it's good to smooth costs over a lifetime ... but that also hits the young very hard when they can least afford it. As does their FICA taxes for Social Security and Medicare.

As we've seen in pretty much every other developed country, this whole welfare state approach is a self-correcting dead end, as enough of the young decide not to play the rigged game and decline to have children.