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.