system
Given the following post, respond as if you're commenting on Reddit:
human
ELI5: Very few jobs pay any kind of retirement or benefits these days. Most Americans have no savings. What happens when generation X becomes too old to earn a living?

I'm 34, and seriously worried about my future. I have no savings, my parents didn't want to pay for my education and the jobs you can get without a degree don't pay for one. Even those with degrees are finding most companies don't offer any retirement or even any benefits. Lots of companies are hiring people as 'contractors' to avoid offering them health insurance. 

How is my generation expected to survive without retirement benefits when we're too old to work?
gpt
There really is only one possible result: Change.  Either sooner or later, this kind of economy will reach a breaking point.  In the worst case scenario, the elderly will be forced out of their homes and into the streets to die or suddenly place a massive burden on social programs when they can no longer earn their living, and change will be forced upon society.  In the best case, employers will reign in their ever-growing desire for short-term profits instead of long-term growth, pay better wages and benefits, and the crisis will be averted.  In a more extreme case, the citizens will revolt, reunionize the entire skilled labor force regardless of the profession and use collective or forceful bargaining to demand better compensation.  In any case, change is inevitable, one way or another.