AARP Ad So, if they earned their S.S. and Medicare, why are they in actuarial trouble? Might it be that they didn't pay enough in? I know the temptation is to say "tough", the young uns will have to suck it up and make up the difference. But.... US wealth gap between young and old is widest ever - BusinessWeek Don't worry kids, they'll make it up to you by sticking you with the largest debt in human history.