"Unless people are friggin Nitwits, in which case they need every aspect of their lives dictated to them."
That's what I've noticed. People expect government to bail them out. Even when they make bad decisions, the expect bail out. They can't make decisions for themselves. This seems to be the case more and more as time goes on.
Imagine what the future would be if the government really did give people their own social security for their own decisions in investment. That's been proposed. In 20 years, we would be bailing them out.
Nitwits. Like spoiled children. Never learned to make decisions for themselves.