The current institutionally provided retirement plans will not cover people's needs upon retirement.
Technology is similarly just a catalyst at times for fundamental forces already present.
Before 1980, it was basically illegal for U.S. banks to invent new products.
We're still in the first minutes of the first day of the Internet revolution.
The changing nature of money is only one facet of the financial services revolution.
A whole generation of Americans will retire in poverty instead of prosperity, because they simply are not preparing for retirement now.