Well said.
We need to (without blaming anybody) look at the demographic and financial projections, understand what they are telling us, and then decide whether we want to:
(a) start taking the action to fix the problem now, or
(b) just let the engine run dry until it seizes up, and then start over again from square one.
If I consented to plan (b), then there would be some blame....my kids and grandkids would have every right to blame ME.