Any middle-class person who puts their mind to it will become a millionaire. It involves living below your means, not buying cars constantly, and investing your money for decades. I can't stress enough how big of a difference those things make.

A huge portion of retirees are millionaires because they were responsible and didn't blow all their money.

Millionaires shouldn’t exist.

Why would you want responsible, middle-class retirees to blow their money instead? Why would you force them into a situation where they have to rely on others in their retirement rather than living comfortably off their own hard work?