If they work for money and use it to pay the children to care for them, what difference does it make if they also have kids or not? Why would your kids have to be the ones to care for you for it to “even out”? In that argument, is daycare banned because the child is not cared for by the parents of the child? What if one of the parents dies? Is it ok to pay for help then?
You do realise this system is unsustainable, though ? We just cannot grow infinitely just because .end of life care costs money.
We are way too many, and the #1 source of global warming is human activity. At one point we'll have to stop growing, so the system of how we pay for elderly care has to change.
We don't have to grow infinitely. Population collapse comes with a huge host of problems though.
The problem of elder care isn't purely financial. It's not the model of paying that's the problem. At the end of the day, (kinda oversimplified) money represents a fractional value of the work output of a population. The output of the population depends on the number of people working in productive roles. The value of the currency is related to the consistent output of services and confidence in the existence of your country.
Shifting over an increasing fraction of your population to elder-care is non productive. It has a tension with both stability of currency and value of currency.
