“I'm old enough to remember the end of World War II. On Aug. 14, 1946, a year after the Japanese were defeated, most newspapers and magazines had single articles commemorating the end of the war.”
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If younger people see older people who haven't planned ahead and have to rely on charity, the young will be more likely to provide for the future. Today when someone plans poorly, the only consequence people see is a demand for more government.
A Libertarian society of unfettered individualism spreads its benefits to virtually everyone - not just those who have the resources to seize political power.
Everyone will experience the consequences of his own acts. If his act are right, he'll get good consequences if they're not, he'll suffer for it.
The communitarians may say you've been enjoying too much individual freedom, and that you must give up some of that for the benefit of the community. But they really mean that they want more power over your life - to force you to subsidize, obey and conform to their choices.