Your probably right about most people not planing much farther that a couple of months.  But then you have good percentage of people who just don't have any descritionary income to put aside.       Even with social security the living situation gets pretty desperate if that the sole source of income.     

If Congress want's to save a little money, you can just not pay out social security to those who have income flow of say $150,000  or more.   Why would Bill and Hillary need to collect on their social security?   (gang of seven suggestion 8 years ago)

Somebody is going to have to pay more.  In congress's decision making,  I would hope they considert this:   Who will be hurt the least in terms of meeting their basic needs?*   

*Charity and empathy have real value to me.   That isn't meaningful to many, I understand that.  It's MY preference.