At the conference I intended, I was completely dumbstruck by the fact that even though there was general agreement that the 401K system has failed a generation (at least), no one thought there was any way to help that generation. I'm not saying that no one wanted to raise Social Security benefits, I'm jut saying that no one thought it possible. The options on the table were all about various add-ons and tweaks that could, maybe, make it somewhat more likely that the current cohort of 20somethings who can't get jobs with benefits and are drowning in student debt will save money for their retirement.
We have a problem now. Also, too, in the future.