The Commitment Problem That May Make a Forced Savings Social

The commitment problem that may make a forced savings social security program beneficial is best described by

A) too much saving by households because the government cannot commit to providing zero retirement assistance.
B) borrowers are unable to commit to a high real interest rate.
C) young households cannot commit to participating when they are old.
D) the government cannot commit to providing benefits when old.
E) under saving by households because the government cannot commit to providing zero retirement assistance.