It sounds reasonable in theory to collectivize this stuff, but in practice the programs all run out of money. Politicians always over promise. This happens over

It sounds reasonable in theory to collectivize this stuff, but in practice the programs all run out of money. Politicians always over promise. This happens over and over again all over the world. I see no real alternative to freedom here. Let people make their own choices. Over the long term you can't really conjure up better investment returns and better retirements for people by decree. The wealth has to be there.