I hate to sound like the grinch who stole en lement christmas, but basically yes, you're right. There are going to be a bunch of people who have to be told "sorry, but you're on your own". Unfortunately a lot of those people are going to be seniors who spent their entire lives believing that the government would take care of them. At least when we tell the 18-65 year olds that they're on their own they have the opportunity to do something about it.

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