Reply #49: They were created as a safety net

[kctim]

for those who need them most. That is why you cannot draw unless you qualify as needing it, or until you need it most, which is usually at an older age. Yes, they are designed to be used by those who paid in, but that is rationed.

By way of life I mean that too many people now believe they do not have to save, or save as much, for such things because they are already there.