(boy, this will get me in trouble)
Why haven't these artists made better choices in life, that they are in the predicaments they are at this stage in the game?
Bob Kane was an artist. Stan Lee was a writer. Bob Kane died a wealthy man.
Stan Lee is worth a fortune.
What made those guys succeed, where others have failed? Was Bob Kane special? Is Stan Lee special? Or did they simply make better choices in life?
Why are people made to feel sorry for those who had their entire lives to prepare for this time, and did not spend their money wisely?
I'll add on by addressing the comment about never paying enough for artists and writers to save up for retirement. Companies pay what the free market determines is the going rate for a service. If they don't offer enough, no one accepts the work, and the pay rate rises. If they offer an excessive amount, there is competition for the work, theoretically driving the price down.
'Those evil companies should have paid more' is just whimsical thinking.