Another thing about saving that hasn't really been discussed is that it reduces one of the burdens of society.
The simple fact of the matter is there is very little appetite to have society pay for everyone's retirement - we simply can't afford that. People who save for their retirement remove themselves from the burden that society has to take care of their retirement.
People becoming financially independent for their retirement is a good thing for society. If they end up dying with some assets left, they should be able to do with those assets as they please (after paying the tax bill, of course).
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