We want to do all we possibly can to prevent the 3rd age from being miserable: we can (and should) do so much better in our care for our elderly. The existing system gets in action only when things go wrong, and if we do something, we tend to be as conservative as possible; the usual actions are more adjusted to the available resources than to the needs of the individual.
With some vigor and no angst for regulations, we can -fairly easily- do so much better!