The program provides student-athletes with the opportunity to protect against future loss of earnings as a professional athlete, due to a disabling injury or sickness that may occur during the collegiate career.

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To some 36 million people, nearly one American in every six, the Social Security system now provides a monthly check promising that old age, widowhood or disabling injury will not throw them into poverty.

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Add to this the fact that any public-sector worker can hide behind union power to game the system 82% of senior California Highway Patrol officers discover a disabling injury about a year before they retire and you have a dysfunctional mess.

ECONOMIST: Public-sector workers