I was in the industry, and frequent a few different places like this in ILM. If it's not too far of a drive for you one day, plan to make a trip, and I will show you a couple of almost "fail safe" versions of what you are describing.
There is one in particular that I go to 3-4 times a week, either to pick up a 6 pack, or have a few beers. This does not have to be overdone. What you are describing is a good plan, but I think you need to work on a few things first.
I don't think that anyone has really said that. The OP was just pointing out that unless we change the way we do business that we will become Greece. I'm not really saying that, but I do struggle with the folks that think that the debt and unfunded liabilities are not an issue for the long term stability of this nation.