Here's a fix which I think would work well and also be wildly unpopular with wealthy {D,S}INKs: if one is not declared congenitally infertile or dangerously nuts by 30 and have less than 2 non-felon kids at 65 when bennies start (with no good medical reason)? Then no old age entitlements (Social Security, Medicare). The more kids the richer the benefits, after all you had more kids and they're paying more in! {D,S}INKs could have had kids (not infertile, not nuts), but didn't, there should be no siphoning off the children of their peers who did.
takes cover again
ADDENDUM: Also maybe encouraging an 11 girl : 9 boy birth ratio could help things, with better protections for fathers' rights to be more than the responsible payer post-divorce (and maybe just stop forcibly collecting support altogether from those men making less than median and who the woman left no-fault).
There should probably be an option for people who can’t or shouldn’t have kids to avoid pathological incentive, or simple punishment, for something that’s not their fault. There could also be a way for them to pitch in such as elder care that could be an alternative way to build up their “social credit” for retirement, as it were.
But the fact is also that a ton of people just can’t plan that far ahead. Not too sure what to do about that.
takes cover again
ADDENDUM: Also maybe encouraging an 11 girl : 9 boy birth ratio could help things, with better protections for fathers' rights to be more than the responsible payer post-divorce (and maybe just stop forcibly collecting support altogether from those men making less than median and who the woman left no-fault).