Who is actually making max contributions? $19k per year is out of reach for most. If someone makes the max 401k and IRA contributions over a 35 year career, they would be set.
There is a funny thing though, you can have "too much" in your 401k/IRA :-). When you hit 72 you have to withdraw 10% annually and that amount can put you into the top tax bracket if you've been saving your whole career and have more than a million bucks in there.
Then if you need any nursing care it’s $100k+ per year.