Your post is correct, but the retirement of baby boomers is another large factor.
And I am intending to contribute to the problem by QUITTING and taking an early retirement. FU%K All these lazy welfare and unemployment cases, I hope they Starve and Die in the Street, my only Moral Obligation to society at this point is to help load the dead bodies into the trucks to go to the dump, so they don’t stink up the neighborhood.