We are living too long after retirement, and healthcare isn't going to the country doc for a bottle of penicillin anymore. Its being helicoptered to a mega-medical center for super-sub-specialists with cutting edge technology interventions that cost millions. If you work from 20 to 65, then live to 90....well, you know the math.
It really is more of a philosophical discussion than financial. If we have the money to build carrier groups and fire million dollar tomahawks like rubber bands.....we HAVE the money to care for our citizens. But do we want to?
Its a tough situation. I know conservatives don't want to see grandma and grandpa on steam grates. But to avoid that, we're going to have to divert some of our treasury to caring for people who can't care for themselves, for whatever reason. It used to be just deadbeats who fell on hard times. Now its people who have worked 20 or 30 years and have their pensions or funds yanked out from under them. And yes, those with piss poor planning.