Problem is.. that's idealistic thinking, not realist. It stops short of playing out the full scenario of what to do with a bunch of homeless elderly on the street. People will come with their sob stories, and the gov't will be forced to do something about it because the costs of the problems will start outweighing the costs of just giving the people money to GTFO. So, it's more economical to force people (who are generally fiscally irresponsible, as noted by household income/spending/saving trends) to pay up front for services (SS, Medicare, etc) that they may or may not receive in the future - penalizing everyone, including the ones who are responsible, for the greater good.