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From my perspective in the UK, you only need to look to the victorian era to see how wrong this is.
We brought in old age pensions well before anything else in the modern welfare state, way back in 1908, because simply put most people cannot or do not prepare themselves for retirement.
Even now govt has to give big incentives to get people to pay into pensions, making enrolment at work into a private pension scheme happen by default so you have to opt out of it and giving big tax incentives to pay into your pension.
There's nothing here!