People need to realize they have to look out for themselves. If by some miracle pensions, 401ks, social security, etc manage to survive then that's icing on the cake, but it would truly take a miracle that defies the laws of arithmetic. Diversifying into precious metals and cryptocurrencies is essential and even then, it's a good idea to diversify your diversification. By that I mean, don't hold all PMs in one location and have a hard wallet for storing cryptos, such as Trezor or Nano, or at least a paper wallet.