> If your entire socioeconomic model is based on positive rates of return (retirement, pensions, investment income, etc), and you can no longer obtain those ret

> If your entire socioeconomic model is based on positive rates of return (retirement, pensions, investment income, etc), and you can no longer obtain those returns safely, things start to break down. Which is why most companies in the US have moved to 401k plans as assuming risk free rate of returns is ridiculous.