I don't think that's true, it's true that "money is not real", and will need to be exchanged for services. But a lot of the expenses each generation has are fo

I don't think that's true, it's true that "money is not real", and will need to be exchanged for services. But a lot of the expenses each generation has are for example housing, food, cars. So sure, that method doesn't hedge against the price of services or fluctuations in whatever you invest the money in, but neither does the current system. Current system is exposed to inflation, FX etc too. It does at least hedge against [working vs retirement age] population which is one which definitely varies. Basically the current system is going to screw my generation (in the UK) because we're paying off our parent's triple-locked gold-plated pensions, which we are definitely not going to receive. So we'll be the one that pays for ending the offset.