Where Government Excels (New York Times)

"...You might be tempted to say that if workers save too little and invest badly, it’s their own fault. But people have jobs and children, and they must cope with all the crises of life. It’s unfair to expect them to be expert investors, too. In any case, the economy is supposed to work for real people leading real lives; it shouldn’t be an obstacle course only a few can navigate..."
http://www.nytimes.com/2015/04/10/opinion/paul-krugman-where-government-excels.html