The Bell Curve of Finance

I have a cynical theory that in society prosperity is tied to the ability of the populous to add value. By this I mean what and how much an individual creates in dollars and cents with their efforts and actions. Thus an infant creates none and basically takes as obviously been the case forever. "Old People", also once retired or disabled with limited activity add much less than their earlier version. So on either end of the spectrum "a bell" you have for lack of a better word "takers" with the middle populated with "givers". Now let me say neither are good or bad, just simply what they are in this exercise. No one would look at a sweet infant as bad or not consider its future additions to society or your elderly grandmother as bad. Nor Jared Kushner as especially good as he occupies a spot in the middle of the bell. Everyone has or will make contributions to society. But over the last several decades we have reached a tipping point. The advent of medical advancements to longevity has distorted the bell curve of prosperity and advancement. (Now this is important: this is only one reason that monetary advance will slow greatly). My hypothesis is that the "golden years" will kill the "golden age". This phenomenon will only grow and accelerate as the distortion of the bell curve increases, which as of now it will most certainly. Let me say this is not some fatalistic theory that promotes euthanasia or any other sinister underlying agenda only an observation. I think the crisis was really hurtled forward a couple of decades ago when we were told and convinced that one should retire as soon as possible. People saw 55 as a goal to start living the "good life". One could say the doom of Y2K was not a computer crisis but a subtle entrenchment that we need to plan our exit from adding value as soon as possible. I will follow over the next weeks with my thoughts on solutions: simple, complicated, radical and old fashion to address this issue.