The “Frum” economic situation is somewhat similar to the problems with the United States Social Security Program. When FDR enacted social security there was an almost equal ratio of workers contributing to the system as there were retirees receiving benefits. Over time, due to population increases, economic shifts etc that ratio has changed to where there are almost 8 retirees receiving benefits for every one worker contributing to the system. With not nearly enough money coming in to the system, it will go Bankrupt without major reform.
Baruch Hashem our families are very large (much larger than the first post-war generation?) and our first priority is to educate our children in Yeshivos which is probably our largest expense). The answer is that unless we have more people contributing financially by to the system IT WILL FAIL (any yes, all the naysayers will say that everyone has been saying that for years, but it will).
Plug in whatever numbers you want, but if there is a considerably higher percentage of non-economic contributors to the system it is doomed.