Medicare in New York is bankrupting cities in New York NOW, not in 10-20 years. The fact is, how many seniors have a pension and savings to afford paying a $1,000+ a month for housing (even if your home is paid off in 30 years your taxes will grow enough in 30 years to equal what your mortgage payment is now), $100-200 a month for medicine, 300-400 a month for healthcare supplements, not to forget food, gas etc.
The fact is, this country will soon be crippled financing seniors because seniors think someone else owes them.
It is not the proper function of government to incentivize savings. What the government should do is greatly reduce (and eliminate some) taxes on savings and investment vehicles.
and dont forget they have the hugest voting bloc.
All is well and good if you make enough to put some away! Looking at the average income for a single person, it looks to me that most people will have a hard time saving much.
And your request for government programs is O.K. and the seniors isn't?