If Americans understood their monetary system there would be a revolution the next day. We allow the system to take over 15% of our buying power from us to assure that we will have an income and healthcare in our retirement. The system then throws that money away against the debt that created it out of thin air.

When we get to retirement age we are told that we didn't contribute enough to actually retire or pay for our medical care, but we also can't get a raise in benefits because it would add to the debt. Most civilized modern economies simply pay seniors a livable wage and their healthcare is covered over their entire lives.

Just supplemental insurance here to cover what the government doesn't pay costs more than citizens of other nations pay in total for their healthcare, and their outcomes are better than ours by every metric used to measure them. In fact, what the government spends to pay for healthcare for the elderly, disabled, and veterans would buy healthcare for everyone in other countries and they have no co-pay, deductible, or maximum benefits to worry about.