How do we as a society handle people who make that same gamble and fail to have any retirement savings by the time they age out of the workforce? Like if you f

How do we as a society handle people who make that same gamble and fail to have any retirement savings by the time they age out of the workforce? Like if you forfeit the benefits, and then are suddenly destitute and old enough no one will hire you for work, what happens? Do your children need to forgo investing into their own retirement to support you? What if you don't have children willing to do that? I could forsee allowing people to back out of social security with some sort of escrow or trust as collateral against their future dependency on the state, but without that there's a high chance of people gambling and coming up short, and still landing on the government's dime without having contributed.