Parabellum,
I can assure you that three certifying nations, the history of teaching wide body and eight type-ratings assures that I am quite safe to fly. I am also smart enough to invest my savings wisely while enjoying this long and successful career.
It helps to live your life responsibly, not drink it away, not sleep it away with as many hotties as you think you can handle and not blame others for your decisions.
This cradle to grave attitude is the first part of the problem, not preparing for the vagaries of the economy is the next.
Baby boomer whining sure does get old!!