This will only be true a few decades. Nobody entering the workforce today will ever have any retirement funds. Most people who have been in it for a decade will

This will only be true a few decades. Nobody entering the workforce today will ever have any retirement funds. Most people who have been in it for a decade will never have any. Pensions aren't even a thing for most people. There will be a point where the common folk have very little remaining incentive not to burn it all down.