you do realize that some people no matter how much they save will never be able to " get a better system" right. Besides i understood your perspective and just tried to explain a reason as to why they didn't do that in the 1st place.
well those people will just have to do without. some people cannot run fast, cos they have no legs. your logic would say that we need to chop everyone elses legs off. piss off wokie, no one likes you