The fundamental problem is that while some people postpone saving for sensible reasons, and will resume saving later, many others fail to save for no good reason, and are unlikely to make up for it later.
根本问题是，尽管某些人出于合理的理由而推迟储蓄并在以后恢复储蓄，还有许多其他人没有什么好的理由而没有储蓄，而且也不大会将来补偿。