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Immigration
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" ... If we take 10 years as an average, then the per annum cost will be $33-41,000, the equivalent of the pension plus some medical expenses. ... "
If they're partnered that sounds like a fair few more medical expenses than pension. And that's an issue as, I do not know the truth of it, but one Dr said to me that the majority of the medicare budget is spent trying to keep old people alive.
Same problem with the welfare system (which arguably is inadequate in many ways,) too many old people.
Guvment, same problem. Too many pathetic, twisted up, old people.
So, why not put an expiry date on some of these fogies? And, to follow my manner of practice, multitasking is key. So for example, we also have a problem with hungry sharks in some parts, so, to effect a program of mitigating disposal costs, burly up way out and tip em all over board. Just ensure to keep up a plentiful supply of fogies to ensure the sharks have no need to wander.
If that's a bit harsh for some, then why not the Balinese approach, which is as soon as they reach a certain age the kids just automatically aquire their share of the assets and the fogies are sent out to the village to live subsistence.
So, we have a problem where in this country in that there are not enough worker tax payers relative to the retirees. Of course the problem is worse in that there is not enough jobs for the existing people. Which is because too many people get paid too much to do do too little. So, if we don't seriously shave the top end, and we don't import workers then we are looking towards a recession for sure as private investors remain unwilling to invest as the environment is not conducive to guaranteeing them a profit.