Of course it's not fair. It's not a savings plan. It's a pension plan. If you drop dead at 64, you get nothing but $2500. You can also live to 104 and take out far more than you ever put in. It's a payroll tax and it spreads out across the whole population.

Honestly, I wish people got a bill each year explaining how much they'd cost the government in healtcare costs. People would soon realize how much better off we are than our American cousins. When everything is pay as you go, the average person is soon broke.