This is one factor, but not the only one. There is also a reason for decreased fertility.
But, retirement is kind of like a lifelong ponzi, the last ones in support the top. It resets to some degree as the top dies though :D
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It's the kind of Ponzi where there will always be suckers so long as there is life. :D
What a brilliant scam!
When life ends, there is no need for scams.