Here comes another 'too big to fail' moment. Calling it now.

It's not an "if" it's a "when"...

Which is why pension funds are being courted. Now that all the money has been made, they want average Americans invested so that it's everyone's problem when it crashes.

But they forgot most Americans don't have retirement accounts anymore. And the ones who do aren't counting on it to do anything.

Resources are scarce and they're worried about today, not a hypothetical time when they might be able to retire. I don't think anyone still working really thinks retirement will happen unless big things change.