"Saving regret" ought to also refer to when you have saved too much. The shocks in that case would be things like "inflation ate away all my savings before I got to use them" or "the government confiscated my savings via wealth taxes" or just generally "the government made me spend 37% of my income on saving when I wanted to use it to raise kids."

> "the government made me spend 37% of my income on saving when I wanted to use it to raise kids."

This is a particularly funny one tbh. A nation's kids _are_ the retirement plan. It doesn't matter how many numbers you put in spreadsheets dated for 20-40 years into the future, if in said future, there isn't actually anyone to accept those numbers in exchange for labor.

Raising kids in a society where people hate their community and don't want to contribute through things like taxes generally isn't a society that is good for kids and their development.

That seems like it causes a different category of problems than "I wish I had saved more but I didn't and now I have nothing"