And yet we here have evidence that I am right. 48, 000 people in central Texas are indeed being fed by nothing more than the milk of human kindness and Christian (for that is the origin of this food bank) charity.

FORBES: Food Banks Show That Government Welfare Isn't Needed

But a positive and proactive public response to our upcoming retirement crisis would also acknowledge that many who retire do so not by choice but by circumstance, and understand that to rely on the kindness of employers and the good health fairies to keep elderly Americans fiscally solvent is folly indeed.

FORBES: Can We Really Delay Retirement?