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National pension is a ponzi scheme and as our population declines it will be impossible to pay it back.
With private insurance, you are given worse options and they will do anything in their power not to pay it. For the average person, you will also have paid more in the long run with insurance than without it, even if you had an accident.
Chiropractors are harmful for your body even if your issue is spine-related. Go to an orthopedist.
For pensions, it is a ponzi scheme but I wouldn't call it a scam. It's designed to work that way, there's nothing secretive about it.
Not sure what the solution is either. You want to invest it? That's just a 401k. More taxes? That still hurts the younger working generations.
In some respects, the problem is population decline. Immigration can fix that.
I also just really hate the idea of applying financial logic to something like this. Like, are we just gonna go and label the entire human race as a Ponzi scheme? Grandpa's not able to pull his weight lately so fuck him? That's a rhetorical question, obviously. The reality is that old people are going to cost what they cost and everyone else just has to suck it up because the alternative is way uglier.
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