the main thing is you need a safety net that equaly applies to everyone. one thing I noticed in the us is you have things for military and older people and police and fire fighters and this just leads to this gotta keep the stuff for me and not for thee. we need a decent baseline for everyone and then people can save or invest or learn or work to get better. disabled vets/police/etc should not get better than disable anyone and healthcare should not have an age requirement.