I don't think replacing individual business that might rob people with one gigantic one that does rob people is an improvement. As for alternatives, check this free ebook: https://www.dropbox.com/s/yd18waixbva1jae/WhatAnarchyIsnt-FR...

if you like government solutions to things, the govt should solve the problem of getting people to save for their own retirement. It's the fable of the ant and the grasshopper, it's the parable of the marshmallow test, learning to manage your future is an important life skill; fobbing off responsibilities on other people, out of sight out of mind, is the road to ruin.

I'm not saying that income redistribution and levelling are not necessary ingredients, but in addition the mechanisms should reflect aligning long term outcomes with short term thinking.

people are naturally lazy, but we shouldn't encourage that.

Just like health care there are many problems with having your employer provide your pension. The UK is gradually moving away from that now with workplace pensions that are provided by a 3rd party and can move with you from job to job.