It's a ponzi and one that's running out of steam.
It's so very ironic that Ponzi himself got busted for what he did with his scheme, yet the governments of the world have learned so very, very much from him. The United States certainly did with its social security scheme, which is much like what you described and I know you don't live in the US.
2030? I hope to be still alive and working, as I don't care for idle hands all that much. Not sure what the fate of bitcoin is going to be, but I'm actually more curious as to how bitcointalk is going to look like that far down the line. I wonder if it'll still exist in its present state, whether there will still be signature campaigns and shitposters, and whether we'll still be waiting for the new forum software to be implemented. 2030 may seem like it's a long ways away, but it really isn't--but a lot of things could change in 11 or so years.
Man, I hate contemplating the future.