You might think that your earning and savings supports your retirement, but no. It will be the next generation of workers that actualize it. Money is just unit of account, it by itself does not give you a retirement. Only working age, working people.

We've found ourselves in a very strange moral hazard. You spend your money to raise kids that will work to earn my savings in my retirement. Hopefully the state can afford your retirement too, but that's unlikely, because no one had children. Because this society sterilizes itself.