The law of unintended consequences! Ponzi schemes all fail when you can't get new people into the system to pay for those already in. The lack of new workers, resulting from smaller families, impacts those who were promised benefits. Government is not the only group at fault. Look in the mirror- we all share in the reason for it. This is not a static system- decisions made impact the best laid plans. First we believed the promises, then we failed to prepare for them not being fulfilled. NO PLAN B?