In fact that is the struggle that most Americans - As rich as this country is, most Americans are very limited in their interaction with the world, unless the world comes to us in a very shocking way.
Shapes that contain no inner components of positive/negative relationships will function better with other shapes of the same nature.
I agree that we must expand opportunities for retirement saving, but we must not undermine this worthy effort with a flawed privatization scheme that takes the 'security' out of Social Security.