No Ifs About It

There was a commercial on TV for Met Life, all based on the fact that if are the central letters in life (literally, and, at least in their minds figuratively) .

One of their ifs was: If Social Security isn't enough

Why is that an if? Social security won't be enough (will it still even be around?)

Anyway, I didn't think the intent of Social Security was to be enough all on its own. I thought it was meant to be a safety net of sorts to help out.