I guess the question now is--what's the cut-off date? How old do you have to be today to not get screwed over?
Not that I really have any skin in the game re this issue. I never plan to retire. I'll keep showing up until they club me to death with a shovel. I get bored easily and can't imagine being idle for long spaces of time. But most folk want to slack off in their senescence and winter in Florida, or Arizona. But I've been to Arizona and the good bits involved cacti and road-runners, the bad bits involve snakes and poison spiders. The locals don't figure into it as all, being boring as heck.