Just need to get that first elusive million, then live on interest.
There are the traditional methods of self-pensioning (without relying on government) and the alternatives are crypto, but not yet mature or stable.
And then, of course, you really need to get term life insurance. Term life is the most basic, most pure, insurance. That is why it is also the cheapest. Something like $30 per month to cover $500k for a 10 year term. You may or may not need longer than that.
I agree with you that 85-90 is much time for lived a good life when people age 70+ so he is not good working always she/he suffer many problems it is maximum people, but per month save $30 so it is the good decision if everyone can follow this for backup and light her future.