> "the government made me spend 37% of my income on saving when I wanted to use it to raise kids."

This is a particularly funny one tbh. A nation's kids _are_ the retirement plan. It doesn't matter how many numbers you put in spreadsheets dated for 20-40 years into the future, if in said future, there isn't actually anyone to accept those numbers in exchange for labor.

Raising kids in a society where people hate their community and don't want to contribute through things like taxes generally isn't a society that is good for kids and their development.

You do realize that in the US most of your taxes are going to direct transfers to rich people right? The average recipient of social security has on average 9x the net worth of the average payer. What about that is about community? birth rates have collapsed and we are still shoveling money into the pockets of old rich people. Children live in poverty while the old live in decadence. No shit I don't want to contribute so that some old degenerate can spend my hard earned cash on another round of slots at the casino.

That seems like it causes a different category of problems than "I wish I had saved more but I didn't and now I have nothing"