A letter to DINK couple

Following wester consumerism blindly is the reason when most DINK couple decides not to have kids. The age old colonial term of "civilising the brown is white man's responsiblity". Let me burst this bubble of ever happy life and not having dependency of kids,they are not investment,etc etc. I wont highlight if its right or wrong here for it lots of post are there. I better highlight what will happen after next 20 30 years as I can learn from west(USA) lifestyle pattern. All these people have kept most of their money in *paper* assets like PF,Bank FD,stocks. Reason for highlighting the word paper will see. As the number of oldies will increase over youngsters. Govt will need more youngsters as economy is worked upon by them. No loan takers,no new consumers. What will happen stock prices will fall,same goes for bank interest ,in worst case you wont be ablw to withdraw your principal even(happening in australia, people have to inform why they are withdarwing cash to bankers). Next for pf: when ww contribute to PF we pay foe the payback of current retired generation or basically we are paying their debt. But due to lack of youngster no one will pay your debt so forget your PF as well. This is how your money bubble of Crores will vanish. There is a term debt to gdp ratio, ever heard? Its the debt taken by govt from future generations to develop current lifestyle. Hence still govt need people to sustain and payback that debt so they will allow illegal immigrants ( what you are seeing in USA and Europe in name of "multicultralism"). And you know what? These rowdy immigrants will fill your city and you will become second class citizen why cause its democracy and majority rules. Noone will protect you leave alone police actually there is no one "left" to protect you( read statements of Canadian police regarding car thefts you will find similarities). Still oldies are there so new experimentation on assisted suicides(Canada is leading the way in current timeframe).