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If a person gets his attitude toward money straight, it will help straighten out almost every other area in his life.
In liberal logic, if life is unfair then the answer is to turn more tax money over to politicians, to spend in ways that will increase their chances of getting reelected.
To get a human through a life, lives of broken bones, knock-me-over-with-a-feather susceptibility to myriad viruses, and whatever else might befall someone will cost money.
The older you are when you buy an annuity, the shorter your life expectancy will be - so the greater a monthly paycheck the same sum of money will buy you. When interest rates are higher, the size of the paycheck for the same sum of money will rise also.