And spare me the whining about how the Republicans don't have a better plan. They don't have the White House. They don't have the Senate. They don't have the House. They don't have to have a better argument than the claim that the Democrats' plan isn't better than the status quo. It's not as if the Democrats shot down Social Security in 2005 and have now done something better.
The U.S. is particularly miserable at putting aside money for the future. Should we blame our paychecks or our psychology?