Sure would've been nice to be that much closer to retirement.
We are creating a gamable system. Which creates a gaming cottage industry of experts. That is what tax accounting is. There are now businesses whose means of income is assisting veterans getting their benefits (the process is so Byzantine, people can't even figure out what they are due). Now education. What is next, healthcare? ...housing? ...reparations?
It is not possible to create a non-gamable system, but we keep trying. What is the definition of insanity?