Additionally, society, in general, would be much better off if individuals kept their hard-earned retirement funds, rather than paying for high-cost, high-commission products from a sales person that does not have an individuals best interest in mind. Consequently, people would have more to spend in, and through, retirement. Additionally, the Social Security system would likely be less strained. Next, grandparents could more readily help future generations financially (assist with college, give basic financial advice, etc.).