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" ... The third theory, in which government officials rejected Americans’ DIY competence? This is exactly the issue at hand in questions of retirement policy. Are Americans able to get fabric, needle, and thread, and find and follow instructions? Do they even have sewing machines to begin with? (My @janetheactuary twitter followers will know that I have a love-hate relationship with my vintage machine.) That’s the same set of questions as we ask about retirement savings and whether the government should intervene, for example, by providing more generous social insurance benefits, mandating individual retirement savings, or providing a “public option” savings program. ... "