Fully agree with the analogy but you disparage tontines! 49/50 US state workers pension will run out of money by 2033 because they are purely run as 'guarantee

Fully agree with the analogy but you disparage tontines! 49/50 US state workers pension will run out of money by 2033 because they are purely run as 'guaranteed' ponzi schemes. The exception is the state of Wisconsin which operates more like a tontine in the sense that the payments you can expect is adjusted based upon on the mortality of other members in the system. I know this because I am making progress convincing governments and supranational organisations that the only sustainable pension system is the one we are enabling through our platform at https://tontine.com https://tontine.com