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The Swedish system solves much of this, at a price.

In Sweden, the principle is that everyone pay into the system, and everyone gets benefits from it.

So everyone, rich or poor, gets a $130/month payment per child under 18. There are many other examples.

The price is that while the US has a very progressive tax system, where high income earners pay a lot of tax, while the low & middle pay very little, in Sweden everyone pays a lot of tax. It (kinda) works because everyone also get a lot back from the system.

So Sweden has very high taxes, but most people get similar value back. You can think of it as a forced savings system in some ways.




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