No I didn’t read the article. And you misunderstand my idea on the states. My idea would be for the federal government to get completely out of it, since it is not within their purview. The states however, are fully empowered to enact similar laws, unless prohibited by their individual constitutions.
My point was, that if the people through their tax dollars decided to take care of their elderly, they could institute such a program. The problem you run into is that what if somebody from Wyoming moves to Florida. I was attempting to resolve that issue. It might be better to leave all government out of it completely.
Yes, what you are describing is contract law, and it’s perfectly legitimate as long as you comprehend the adhesive nature of all contract law. People must be free to opt out at any time, or they are by definition slaves. At least the Supreme Court believes that. So, knowing this, why would you want to involve government? Why the impulse to keep the future open to arbitrary force when the people forget... Like we have. Read the article... OMG.