One thing to bear in mind is that we may have a partial or total cure for aging within a couple decades, and that’s going to change the calculus here significantly.
1. we dont have a couple of decades of runaway decline for most if not all countries. Even USA Social Security will be bankrupt by 2030s
2. People dont want to keep working till death while their parents enjoyed "UBI" in their golden years. Over 45s being the voting block of most countries will continue the Pension scheme bonanza till collapse
