You're missing two dimensions in your analysis: 1: The possibility that some people that are currently contributing (by having a job, even if it's not a great

You're missing two dimensions in your analysis: 1: The possibility that some people that are currently contributing (by having a job, even if it's not a great job, and takes care of themselves) choose a life of no positive activity. I don't know what the calculus is, but they're not balanced out by just any >0 number of people choosing to improve society. 2: That when at least some of those people on long term passive income receive a good, solid kick in the butt (in terms of expiring benefits), they are, in fact, able to turn their lives around and become contributing members of society.