Decoupling healthcare from employment would also be an improvement. My mom would have retired several years earlier if it weren't for my parents relying on the county government for healthcare. We don't have UBI, and unemployment is very limited. Getting laid off on a whim with no warning can literally be a death sentence.

I know I post Star Trek analogies a lot, but if Chief O'brien got laid off from Deep Space Nine because of cost cutting, he would be fine. (actually, he'd probably be much better off). We don't live in this world. We live in a world where losing your job can kill you.