If people want to take the chance or if people want to live big today and live a poor retirement that should be their choice they should be free to make those judgments and take those risks so even social security would still be at odds with the minimal state that Milton Friedman argued for it's sometimes thought that collective goods like police protection and fire protection inevitably create the problem of free riders unless their publicly provided but there are ways to prevent free riders, there are ways to restrict even seemingly collective goods like fire protection 