It has been announced recently that Medicaid is losing money rapidly and will be gone in the next decade. Social Security can only last another decade or two. Even the FDIC doesn't have enough money to keep itself afloat. The Retirement agency that has been assuming the pensions of businesses that fail can't pay its obligations to retirees. All the government programs are failing soon. 

I think we should stop relying on the government and rely on ourselves more to make sure we have a bright future financially. The Eight new rules of money outlined in Conspiracy of the rich I think holds a key to making sure we can have a good future.