This problem is unsolvable, because we don't want to solve it. Social Security is under attack, while keeping 23 million people out of poverty and being one of the most efficient value transfer and benefits system in the world. We don't want to raise taxes to improve funding for it. Wall Street is chomping at the bit to get access to worker retirement funds. Pensions are unpalatable, even though they could be accomplished with Australia's superannuation model, and are necessary for workers to get investment cashflow to obtain exposure and fiduciary management of the investments.

The wheels will keep coming off the cart.

https://www.gao.gov/financial-security-older-americans

https://www.visualcapitalist.com/a-visual-breakdown-of-who-o...

https://en.wikipedia.org/wiki/Superannuation_in_Australia