Wil, do you have a better idea that would reach everyone? That's the beauty of law and centralized government. But if you have a better idea, I would love to hear it. And don't say personal responsibility. Both you and I know that's a naive oversimplistic view that would never work.
This discussion is your idea, not mine. So the burden of proof in answering how it would work is yours, not mine. Your response to my question was a classic evasion, so it appears that you have no answer. You may continue to indulge in fantasizing about something that will never work in the real world, and your apparent admiration of centralized economic planning has already gone into the dustbin of history with the USSR. We fail to learn from history at our own peril.
But to answer you, I will say personal responsibility. If the irresponsible cannot afford to retire, then they will just have to keep on working. "I beg your pardon, I never promised you a rose garden" (from the 1970 song by Lynn Anderson) ... life doesn't come with a warranty. What might help is financial education in school. If we were to spend as much time on financial education as we do on sex education, then maybe the next generation will have the skills to take care of itself, without having to be coerced into it by an already overgrown federal government.
Now this will be my last reply to you. Your attachment to your idea, and refusal to allow its falsification, means that I'll only end up repeating myself should I continue responding to you.