My family came in 1635 from England and settled in Williamsburg. Shortly after, they split up; half went to New England and half stayed in Virginia. I'm a Virginian Ballard.
I would not be opposed to devising a new system of pensions, in which one part was based on collective provision, but which also gave incentives for people to take out an additional, personal plan.
Do not measure your loss by itself; if you do, it will seem intolerable; but if you will take all human affairs into account you will find that some comfort is to be derived from them.