1. Even you have to be realistic enough to know that there are some people who are grasshoppers. Those others who want to will invest for the future, irrespective of any government program. SS was initiated for those who don't.
2. Are you proposing that we let the feckless ones starve? That's a logical position, but rather unpopular.
Under what Constitutional Authority? Furthermore, you dodge my point that the rhetoric is that "Republicans trust people with their own money, Democrats don't." But the fact that Republicans will take people's money, and then force them to "choose" from among a short list of approved investments, where to invest it.
Are you proposing that we let the feckless ones starve? That's a logical position, but rather unpopular.
If you subsidize fecklessness, you get more fecklessness, for the obvious reason that it pays to be feckless. Is this something that you really want the government to do? (What do you plan to do when 51% of registered voters are 100% feckless?)