> Sure, talk about it, but can you change the bulk of the US to capture whatever benefit you can from that change, within 50 years to save the programs needing the money?

We can start changing it today, and save ourselves the pain of having to deal with it when we retire.

It would also improve the quality of our day-to-day life on many dimensions, long before we do.

What the grandparent poster is alluding to is that our culture is sick with a myopic, penny-wise-pound-foolish mentality, where people are personally spending tens of thousands of dollars for a service that could be provided collectively for thousands of dollars. While also complaining about outrageous taxes.