That seems about right. My thoughts on the problem are that programs covering only the destitute are VASTLY cheaper than programs covering the whole population.

That seems about right. My thoughts on the problem are that programs covering only the destitute are VASTLY cheaper than programs covering the whole population. I am hoping that by the time my generation retires with fat 401Ks, there will be the political will necessary to kill the burdens that FDR's legacy has placed on us.