That's great for you, but what would you do if you were a disabled and mentally retarded orphan? How would your personal retirement savings look then? Now, consider that the difference between somebody who can't walk without a walker and somebody who can win an olympic dash is entirely a matter of degree, with there being examples of individuals at every point in-between. Then consider that between somebody who can't figure out how to tie their shoes and a Nobel-prizewinner you can find somebody demonstrating some level of intelligence in-between. Then consider that between an orphan and the Gates family you can find examples of kids that start out with just about any level of parental support in-between.
We need to come up with a national approach to retirement/etc benefits that works for everybody - not just those who are both good at earning money AND good at investing it.
With steady advances in technology and increased specialization in the workforce we just keep raising the bar for the kinds of skills and talents somebody needs to have to earn their own way. Eventually, not even you would have been able to hold down a job.