As I get older and older, I become increasingly conscious of how much the government has taken and how little it offers in exchange.
Most folks would be better off arranging their own finances while the government keeps its hands off; but, no, the obsessive/compulsive socialists have to arrange everything for everybody.
Problem is, it makes no difference how much you save if a private banking company in charge of the money supply can create inflation or deflation or hyperinflation all by themselves.
No one can survive very long with high inflation and nobody will with hyperinflation. The Fed can wipe out and manufacture a crisis at will simply by changing monetary policy. Anytime it wants.