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[–] porncounselor ago 

it's more of a pragmatic thing, in an ideal world everyone would get a sum of money for their work (valued fairly) and it would be up to the individual to save for retirement, and that individual would save an adequate amount

in reality...

  1. "equal work = equal pay" is a myth, and I don't mean "muh wage gap" ... companies pay wildly different salaries based on location, even across relatively minor distances (i.e. between states). some fucker in NJ will earn 66% more than someone doing the exact same job in NM

  2. most people are retarded, and would immediately blow their entire income on stupid shit and have zero savings. it's not really good to have hordes of destitute, homeless elderly people, so... mandatory retirement programs

  3. even most intelligent people aren't that intelligent, so they save but they don't save enough, or they invest in something like real estate and get fucked when the economy burps