There is absolutely no reason why in this america, by the time you are ready to retire, you can't be a millionaire. Unless we reinvest taxing these people at the rails, it does create a very unstable society. The only way you have an effective democracy is through a progressive tax system. And also, income inequality. When we get to these levels of income in equality, it oh itself correct. That's the good news. The bad news is the mechanisms of self correction are war, famin and revolution.