I am sure that those of us who played by the rules will get screwed.
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Not necessarily. Many factors at play. Age is undeniable, however “ net worth” ( means testing) can be hard to determine especially if assets are held in other forms, LLC, corporations, trusts, etc….Think out of the box, the wealthy do.
I hid my assets in my mother's basement but while in jail some darn maintenance dude found them. Sold $2.5 million in rare coins to a thrift shop for less than $7,000.
How about most of your assets are locked up in 401k’s that have yet to be taxed?