The state must protect you from your stupidity

Steep thesis as a headline, but let me explain. I think that Riester Pension and AV Depot are exactly what the general public needs to make provisions for old age. I know you are all incredibly disciplined, rational, responsible and liberal. But I think that many people, in their young arrogance, underestimate how stupid people sometimes behave in life. We recently had the bird here with the Thai wedding and the Dulli who is transferring his retirement savings into a sailing boat