Sooo....a 23 year old fellow with a wife and two kids....vs a 70 year old retiree.
The 23 year old should be stocked for life?
Of course not.
Neither should he be retired or own his own 40 acre spread with a 4000 square foot house and a six car garage with three Ferraris.
We all find our way in the world the best we can.
The greatest kindness that we can offer to the 23 year-old is a Level Playing Field by which he can find his place.
At 23... I lived on Taco Bell $0.59 bean burritos and ramen noodles for years.
It all comes down to giving the 23 year-old a fair and honest foothold in the world from which he can climb.
Good decisions and bad decisions occur, but in a world of fair opportunity the 23-year old will make it.
In a world of unfair opportunity and manipulated markets, he will not.