I think you are also suffering from the error of focusing entirely on one aspect of the problem and ignoring the others. Forced saving, and cost-benefit analys

I think you are also suffering from the error of focusing entirely on one aspect of the problem and ignoring the others. Forced saving, and cost-benefit analysis are both factors that should be taken into account. Your claim that a person is entirely incapable of saving unless they have a mortgage is a bit extreme.