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We need to rethink the whole benefits system. It was spring out of WW2 and the GI Bill era. It never really worked for minorities and doesn’t work for Gen Y/Z nor for people in the last decade of their career.
We need to provide better wage support (either with the minimum wage or EITC) and allow individuals similar subsidies for health insurance and retirement as large companies.
It’s sad we’re not thinking more holistically about these issues.