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Cause it isn't
(lemmy.ml)
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this post was submitted on 29 Nov 2023
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So I think ultimately the biggest difference here is the US defined contributions scheme that runs through the stock market and the minimum requirements.
I don't know the answer. The US system is super flawed, but a lot of nations are having issues with their national pension systems due to demographic changes. Ultimately I'll be more confident that I'll be able to rely on my 401k brokerage than Social Security.
Likewise, the US housing system was built in a way that allowed lower income people to buy homes. However that system has now been abused to raise the price of housing to unsustainable levels. I still don't think demphasis one home ownership and rent stabilization bandied around is really a good solution though.