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Not the person you replied to, but I have. And given the venue, I'm guessing many others here have too. Also, Excel is unnecessary and perhaps even harmful; all you're doing is providing false precision because the uncertainty is too big unless you're a public servant or something. Ballpark estimates are all you're going to get for any multi-decade forecast involving literally anything. But none of this is too relevant to your actual point, so I'll move on.

> Many people don't think of themselves and their position in life in this fashion and rather have a moralistic view of the world: "If I work a lot, I'll feed my family!" and just assume that is what is going to happen, based on the values they were taught growing up / in school / on tv.

This is true and unfortunate, but the solution isn't to subsidize this mindset, the solution is to change the values people are taught growing up / in school / on tv. Not because I think it's necessarily bad to hold a moralistic view of the world, but because economics doesn't give a shit and will steamroll any clumsy attempt to provide shelter for the naive.

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