Terr, you forgot to mention that a couple of decades is more than enough for the general majority of retirees to die off, especially the ones that rely on social security. Besides, it means less people dying on the street, and at least SOME of those people (if not most) actually get a job and rejoin the workforce. That's 20 years of growing up and going to school that someone doesn't have to do to fill that job, or do something or other that makes more jobs and gets money and the economy going and BLAH BLAH BLAH.