So who is responsible for that cohort being "less able to retire acceptably" if they've been on this Earth in the United States long enough to reach the ripe ag

So who is responsible for that cohort being "less able to retire acceptably" if they've been on this Earth in the United States long enough to reach the ripe age of, well, let's just pick 55? If you'd give me the leeway, I'd like to rebut that there's no reason for a website catering to OLDSTER or GEEZER employees when they're still a blood clot of mobility. Or, in more plain terms, why shouldn't a person use critical thinking to ask if a person over the age of 55 is smart enough and/or has good judgment if they haven't positioned themselves as able to retire? Does this register at all?