I still think this notion of saving up (401(k) and superannuation) is going to fall in a heap. What good is money if no one is around to do the work? Demand will increase and all that saved up money is killed by inflation. The government is going to have to step in anyway, and do what it always did with pensions. That is, redistribute tax to care for people who are limited in their ability to do it themselves... because the tax will represent current labour than the false notion of nebulous saved "value".