I disagree.

People are born with disabilities, which doesn't always show it's face until it is too late.

There are people who are completely incapable of saving and investing, because for them the "future" does not have any meaning in it self.

What is the point of investing if money by it self does not have any value?

There are also people who are born who will never be able to work a "normal" 9-5 job.

To put everything on their shoulders is what is wrong with the system.

Capitalism bears a heavy burden for causing a lot of angst.

Nobody should be a victim of the circumstances of their life.