It is true that needs differ by individual.
If only there were some process by which decisions could be made on an individual basis, by the person most interested in the welfare of that individual, about that individual’s life decisions.
That way an customized plan could be created for each one, taking into account the resources available, desired retirement lifestyle, and other factors. The plan could then be implemented, with enough advance time to make success likely.
What would we call such a system?
Personal responsibility.