> All is fine

An aging population means 25-54 represent less workers and people "retiring" from the labor force before social security age is likely to be deeply negative for their finances into old age and not just a decision from the relative luxury of being able to select jobs with quick vesting pensions like in past decades.

If pension ages were going down over the years and the average worker were well vested by 55 then in that reality all would be fine.