A few things you're missing:- Since the Great Depression, the S&P has averaged 11%. The 20th century has been a remarkable bull run for stocks and there's no reason to believe that it's going to continue.- That's 11% before inflation. After inflation takes its bite, the actual numbers are lower.- That's 11% long-term average. Your 60 years may be higher or lower than the long-term average.- If the market has several down years in a row, the government would be wiped out.- If the market has several up years in a row, someone in government is going to find a way to divert the excess money.- All these new people investing in the stock market is going to seriously throw the system out of whack. Indexing only works when enough people are making decisions about whether certain companies are worth buying. If everyone is buying like there's no tomorrow, you get a bubble -- a pyramid scheme.I'd suggest looking up the Retirement Investing and Political Asylum boards.