朋友们,帮我改作文好吗?

朋友们,帮我改作文好吗?
In China,most people would save money for several reasons.Only a few people think it is absolutely unnecessary to do so.However,I would open an account at bank and save enough money for retirement.I concern who can take care of us if we are sick or be in another unexpectable,money-needing situation after retirement.Thus,I strongly recommend people to save money before retirement.
Opponent would argue that we should never worry about that.Because the government has already established medicine system and welfare system to ensure we can living without any previous saving money.Another reason is that our offspring would not leave us when we get in trouble.Therefore why we have to save money when we are working?The best way is to use the money improving our life quality and providing our children better education.Most of those who keep this view are optimism.
However,I am one of others who always make plan before things happen.If we are sick,and need an amount of money to do an experimental surgery to save us.But the government refuses to provide it due to its high risk.Should we accept the traditional surgery and wait the death coming?In addition,I do not agree that we can depend on our kids.If they are of poverty,or they also need money to get marry and to buy house,etc..
In conclusion,it is indeed necessary to save money before retirement for both our kids and us.Sometimes,we can not expect somebody else who may help us.That’s why we need money help ourselves.