As someone who has experienced helath challenges in my 50's, I dread my older years, if there are older years. My son and I was just talking about the declining birthrate here in the U.S. and the impact it is having on our social security system we pay into. I am fearful that it will be void by the time he reaches retirement age. I am in total agreement, rewarding those who contribute to quality of life would seem to be much more conducive to a more productive society and quality of life.
I fear this for myself already, and it isn't that far away. The entire system has been set up for a growing population, including retirement - and it just isn't sustainable.