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> Take for example "pay-as-you-go" pension systems in much of Europe.

Money by itself is worthless if you can't exchange it for actually useful goods and services. So non-"pay-as-you-go" pensions cannot circumvent demography, either – if too many retirees with their accumulated capital would be chasing too little working-age people providing goods and services, you'd just get inflation and all your accumulated capital became worth less.




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