Fair enough - but, given the fascination a lot of people have with owning their home (which I do not), you would also have to include any positive equity (which can be leveraged in a number of ways) in their property in this scenario.

I guess the question I would have is "What is the 10th/25th/Median percentile of net-liquidity" and "What is the expected downstream third-party income from Social Security/Pensions/etc..." expected. That paints a fuller picture of people's financial stability, and also identifies how important Social Security is to their wellbeing.