I guess you think ZIRP can sustain the U.S. forever...along with 3% annual inflation?
Here's a couple facts:
1. Our money we make now will be worth a lot less when we retire.
2. There are no viable options for growth other than purchasing assets (which are now too expensive), or gambling it away on the stock market.
3. Hope you're stashing at least 15% of your take home pay under the mattress. If you're lucky, you'll be able to live off of it for a few years before you die.
How long do you think this can go on before collapse? If the answer isn't 'indefinitely' then you have a serious problem on your hands.