The solution to every problem—from young people loaded down with student loan debt to the care of infants and toddlers and the sick and the elderly—is for each individual to think, from the time they are sentient, about their possible future needs and prepare for them with their own earnings, or pay the consequences. Indeed, George Mason’s Tyler Cowen and a Mercatus colleague told young Americans a few years ago that they “should not be occupying Wall Street, they should be occupying AARP” (to keep retirees from taking from them).54
