"We" always makes me reach for my revolver "We would rely" this is a very female / prog frame "what do we get for free [ from people who are obligated to give it ]". I'd be more interested in a formulation that addressed why those people would want to give it.
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also, there is unwarranted aggregation going on here - "people". Given financial security at age 65 SOME people will sit on the couch and eat cheetohs until death. Others will travel. Others will write the novels they never had the time to.
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(tangentially, a phrase I like is "retirement is not an age, it's a net worth" - although actually it's retirement optionality)
End of conversation
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