Maybe you're on the bandwagon for keeping that 80y/o acumen sharp by standing them at a digital checkout lane for 8 hours/day. Think of the benefits. You're keeping Clayton happy by giving him something meaningful and putting some change in his pocket. Sounds good doesn't it, but did you ask Clayton. You see, Clayton has a different slant to the phrase use it or loose it.
Clayton worked as an engineer for a bearing manufacturer that closed down two decades ago and eventually had to strip the retirement benefits by 70% in 2009 when one of their fixed income vehicles defaulted. Clayton saw his promised/guaranteed retirement annuity decrease and found that his cash savings of 400K just couldn't make a return to maintain his mortgage and expenses incurred when his wife was placed in a nursing home. He saw his nest egg of 400K without an interest return become a nest egg of less than 60K this year as he went into his principal to make ends meet over the past 6 years. He began working as a part time employ at a nearby retail outlet 16 hours/week and hired on at a local golf course as a ranger another 16 hours/week. His green fees were part of his ranger job, but his daily golf game with his old buddies had to be cut back to only one round a week.
You see......zero interest rates saved all of the heavily indebted banks and malinvested Wall Street interests but as Dylan Ratigan famously said there was a price to pay. They were extracting the wealth from savers as interest rates stayed at ZERO and the savers no longer were able to find any vig on their savings unless they entered into a market that anyone with half a brain knew was a ponzi........so they were slowly extracted. Extraction was the price the savers paid to the "recovery". Their family wealth was being sucked dry from them to survive. Its not even that insidious. Its really right in front of your eyes. You're being sucked dry savers so the casino and the greatest game ever created can keep the lights on. So what's left to keep the buying going with the Clayton's of the world. Maybe he can get a full time job at Wally World and make the big time wage. So get to work Clayton and make sure you mop up that spill on aisle 7.