Financial stress is caused by people/the system preying on people who can not adequately defend themselves against these predators. It might seem like I have a

Financial stress is caused by people/the system preying on people who can not adequately defend themselves against these predators. It might seem like I have a tinfoil hat on but I honestly believe that people should be protected and safe-guarded for their own good. I once read that more than 50% of Americans start too late with their retirement savings which means that they will have financial stress later on. In contrast, here in The Netherlands you automatically save for your pension if you are employed. I have studied some actuarial science and my god it's quite complicated and you can not expect a simple lay-person to understand the subleties and the complexities of each system. I think it's just a messed up system all round ... people should be protected more.